Category: Home Insurance

If you’re in the Follansbee, WV area and seeking help with your home insurance, we at Mutual Insurance Partners are here to assist. We can provide quotes from various insurers to help you find a policy tailored to your needs. If you already have a home policy, we would be happy to make changes or updates for better coverage. Our agents are committed to safeguarding your home while providing you with peace of mind.

Your specific situation might warrant additional home insurance coverage beyond what you currently have. Consider how much time has elapsed since you acquired or last updated your policy. Also, take into account any modifications or enhancements made to your home during that period and any purchases you’ve made that might not fall under the standard level of coverage.

Everything from a new extension to a grand piano or heirloom jewelry might require extra coverage or a rider on your policy explicitly encompassing it. Working with trusted insurance agents is thus the right choice to protect your home and all within it. You won’t have to settle for less or worry about insufficient coverage when you have an agent at your corner.

Reach out to us today at Mutual Insurance Partners if you’re in the Follansbee, WV, area and require assistance with your home insurance needs. We’re here to ensure that you feel confident about having appropriate coverage and an updated policy that truly secures what matters. We’ll revise your policy or help you select a new one tailored to your broader needs, enabling you to enjoy your home with peace of mind.

Most homeowners know if their property is covered by home insurance. The real question is if it is covered sufficiently. If you own a home in the Follansbee, WV area, Mutual Insurance Partners can help.

Why You May Have Doubts About Your Home Insurance Coverage

It is not uncommon for property owners to have doubts or to be unsure about their coverage. Many homeowners, for example, have had their properties for years and haven’t looked at their home insurance policy for any given length of time. Inflation can play a role, as can rising or decreasing property values.

You may have made an addition or other improvements to the home. You may even have put in a pool or added a family dog. All of these may serve to make your homeowners’ insurance a bit outdated.

Another factor that can lead to homeowner’s insurance amnesia is paying premiums through escrow. This combines insurance payments with taxes and mortgage payments and is convenient but may distance you from knowing your precise coverage. 

The Best Way to Validate Your Coverage

The best way to know if your house is properly insured is to have an insurance review. Mutual Insurance Partners can help. No matter where you purchased your home insurance, we can review your policy and detail your coverage. You can verify your coverage and your limits. You may discover where your policy may need updates and where adjustments may need to be made.

We Are Here To Help

How much is your home insured for? Are you covered from storms? How about flooding or natural disasters? If you are unsure, reach out to Mutual Insurance Partners for confirmation. We are proud to serve the Follansbee, WV area. Get your review and free quote today.

Having home insurance is a must if you own a home. Not only is it a smart choice for protecting yourself, but it’s also likely required for you to have it. Mortgage lenders will require you to have home insurance to protect their investment. If you have a homeowner’s association, they will also generally require this coverage. Even if it isn’t a required policy for you, it’s never a good idea to go without this insurance. When you need home insurance, it’s time to call us at Mutual Insurance Partners in Follansbee, WV.

Protect Your Home

When you have home insurance, it covers the home itself against a wide range of risks that could damage it. There are disasters, accidents, and other events that can happen to a home and cause it to be damaged. When this happens, your home insurance can pay for the repairs that will be needed. Without home insurance, the cost of home repairs could be far more than you could afford to pay. Don’t put yourself in this position by trying to go without home insurance. 

Your Possessions

Home insurance doesn’t just cover the dwelling, but it also includes protection for your possessions. You’ve spent a lot on all of the items in your home, and they need to be protected. Home insurance offers coverage for all of your belongings. If they should get damaged in a covered event, you get the benefit of having the policy pay for the replacements. This can save you an enormous amount of money. Replacing everything without this coverage would be impossible for many homeowners. 

Get Home Insurance

If you own a home and need a home insurance policy, we’re here to help. Just give us a call at Mutual Insurance Partners in Follansbee, WV to find out more and get started. 

Getting your home ready for summer often involves a variety of projects to improve your family’s comfort, energy efficiency, and the use of your outdoor space. For those living in and around the Follansbee, WV area, Mutual Insurance Partners offers these project ideas to get your home ready for summer. 

Getting Your Home Ready for Summer

Wash Windows & Screens

Wash the windows and screens with hot, soapy water. Replace those screens that are ripped or beyond repair. Also, examine the seal around the windows/doors to see if they are sealed tightly, to avoid letting cold air escape.

Perform Air Conditioning Maintenance

The A/C works around the clock in the hot weather. Service your A/C system before the season, as this will ensure it runs efficiently and keeps your family cool.  

Clean the Gutters & Downspouts

Removing the debris from gutters and downspouts is smart as this ensures summer rains can properly drain away from home, preventing potential water damage to your home’s foundation and more.

Test Smoke & Carbon Monoxide Detectors

Check all smoke alarms, carbon monoxide detectors, and house timers have fresh batteries and are in working order.

Check & Improve Insulation

Inspect the insulation (attics, basements, walls, etc.) and add/replace when needed. Proper insulation is essential for a comfortable indoor temperature at a reduced energy usage cost.  

Prep Your Grill for Backyard BBQs

Get your grill ready by cleaning the grates and ventilation areas and checking supplies.

Power Wash Your Driveway & Sidewalks

Pressure washing is the fastest way to remove the dirt and grime that has accumulated since last year.

Keep Your Home Insurance Updated

If you live in the Follansbee, WV area and want additional information on how to protect your home, contact Mutual Insurance Partners today. We are happy to help!

As a homeowner, it’s essential to understand what your home insurance policy covers and what it does not. While home insurance policies from Mutual Insurance Partners in Follansbee, WV, provide coverage for various perils, there are some exclusions to be aware of.

Home Insurance Exclusions

Natural Disasters

Standard home insurance policies usually do not cover natural disasters like floods, earthquakes, hurricanes, or tornadoes. Therefore, if you live in an area prone to these natural disasters, you may need to purchase separate coverage for them.

Maintenance and Wear and Tear

Home insurance policies do not cover maintenance or general wear and tear damages. Therefore, it’s the homeowner’s responsibility to maintain and repair their property to prevent any damages from occurring.

Intentional Damages

Your policy does not cover any damages caused intentionally by the homeowner or any other person in the home. This exclusion includes damages resulting from criminal activities such as theft, vandalism, or arson.

Business Activities

Home insurance policies are meant to cover damages that occur at residential properties. Therefore, any losses that result from business activities, such as injuries sustained by customers or damages to business equipment, are not covered.

Floods

As mentioned earlier, floods are not covered under standard home insurance policies. If you live in an area prone to flooding, purchasing separate flood insurance coverage is advisable. If you’re unsure whether or not you should worry about flooding, we can review the likelihood with you so you can feel comfortable deciding whether or not to purchase it.

Call Our Professional Team!

Understanding what’s not covered by home insurance policies is crucial to ensure that you have adequate protection. At Mutual Insurance Partners in Follansbee, WV, we believe that homeowners should comprehensively understand their insurance coverage. Therefore, we encourage you to review your policy and ask your insurance agent any questions you may have. Then, contact us today to learn more about our home insurance policies and coverage options.

Homeowners insurance has many benefits for homeowners. It covers many things that would be difficult for homeowners to pay for out of pocket. Homeowners insurance even provides liability coverage. Our Follansbee, WV team at Mutual Insurance Partners is committed to helping homeowners understand and explore the benefits of homeowners insurance. 

What is Homeowners Insurance?

Homeowners insurance provides financial coverage for the repair or replacement of your home, personal belongings, as well as any structure on your property. Homeowners insurance also provides liability/legal protection if you’re found responsible for harm or damage to someone else or someone else’s property. In short, homeowners insurance provides financial protection for damage and unexpected situations that occur involving your home.

Your insurance covers every structure on your property, your personal belongings, and damage to your property or home caused by approved natural disasters. Your policy clearly outlines what’s covered and what’s not. If your home is damaged and you must move out for the repairs, your insurance will cover your hotel stay and living expenses.

Will homeowners’ insurance cover my she-shed?

Yes/ Your shep-shed is a structure on your property. As a result, homeowners insurance will cover any damage to your she-shed, fire, burglary, vandalism, or damage related to natural disasters, in addition to the personal belongings inside of your shed. Your homeowner’s insurance also covers personal liability including medical payments for others, loss of use, and more.

However, your homeowner’s policy outlines which natural disasters or perils would be covered by a homeowner’s policy and coverage limits.

Contact Us Today

If you have questions about homeowners insurance and what’s covered, call us at Mutual Insurance Partners in Follansbee, WV. We can help you explore your policy and answer your questions.

At Mutual Insurance Partners, serving the greater Follansbee, WV area, we see a lot of homeowners encounter problems with their roofs in the winter months. While home insurance may cover some types of roof damage, it does not cover roof damage due to neglect or poor roof maintenance. As such, you should always ensure that your roof is properly maintained and cared for.

Here are a few of the ways that you can get your roof ready for the winter months:

Have Your Roof Inspected

One of the best ways to get your roof ready for the winter months is to have it inspected. A roofer can inspect your roof, looking for signs of damage. They can then make the needed repairs before winter storms roll through. 

Remove Debris From Your Roof and Gutters

Another way to prepare your roof for the winter months is to ensure you remove debris from your roofs and gutters. Debris in your gutters can prevent water from flowing off of your roof. Debris on the roof can do the same. This can increase the chances of ice dams forming on your roof. 

Ask About Roof De-Icing Products

Lastly, be sure to ask your preferred roofing company about roof de-icing products. These products can also prevent ice from forming on your roof, which can greatly reduce roof problems during the winter months. 

Get Home Insurance Today

Preparing your roof for the winter months is just one of the ways that you can work to minimize damage to your home. Another thing that you can do to protect your home is to ensure that you have the right home insurance policy for your needs. If you are in the market for a new home insurance policy or you want to review your policy to ensure it still meets your needs, Mutual Insurance Partners, serving the greater, Follansbee WV region, can help. Reach out to us today to get started.