A Look Back At The Month of June

month-of-june

In the month of June, Brown & Brown Insurance of New Mexico co-hosted two events. On June 15th the Dental Lunch & Learn was held at the Northern Italian Grill, where we had the pleasure of having guest speaker Dr. Pino with Pino Periodontics discuss topics regarding todays dental technology and helpful tips and advice for oral care.
On Thursday, June 23rd the Wildfire Prevention Event was held at the Albuquerque Country Club. Chubb Insurance presented services they provide for the Wildfire Defense Services. Attendees also viewed a live demonstration of the effects of Thermo-Gel when applied to a dwelling. Visit our blog for more information and pictures of the events.
Below are some other blogs you may find helpful from the month of June.

Home Inventory

Firework Pet Safety

Dogs and Umbrella Insurance

RV Campsites

 

Renting your home

Home Inventory

Why a Home Inventory Is Important

 

Let’s try a little exercise: Can you list everything you own from memory? Didn’t think so.Home Inventory

 

The fact is most people own more things than they realize. It’s easy to remember the cars, the computer, the TV. But what about that holiday china in the garage?  Or every pair of shoes?

 

All of it is regarded as personal property for insurance purposes. And if your home is destroyed by fire or some other disaster, having a list of your possessions makes filing a claim easier — and helps you put your life back together.

 

Why should I complete a home inventory? What’s the best way?

Comparing the value of your belongings to the “contents” limit listed in your policy helps you make sure you have enough insurance to replace them if they are lost, stolen or destroyed as a result of a covered loss. The easiest way to take an inventory is to use a video camera, recording and describing items as you walk through your house. Or, you can use a regular camera and create a home inventory checklist.

 

Here are a few tips for completing and storing your inventory:

Add brand names and descriptions where you can, especially on large-ticket items. Serial numbers are helpful to note.

Keep any receipts you have with the list to make the claims process easier.

Store your video or photo inventory offsite so you won’t lose it if your house is damaged.

Update your personal property records when you purchase new furnishings and valuables.

Though the task may seem daunting, it’s important to try. An incomplete inventory is better than nothing at all.

 

How much insurance do I need?

We can assist you in analyzing your insurance needs and help you decide how to most effectively protect your personal property. You should consider full-value coverage, which will pay for the replacement value of your personal belongings. A standard policy typically covers personal property only up to its actual cash value, determined by taking the replacement cost and deducting depreciation, which can be substantial. (For example, a 5-year-old TV is usually worth much less than what it would cost to purchase a new one.)

 

Finally, remember your homeowners policy covers valuable items such as jewelry, furs, art and antiques, only up to set dollar amounts. If the cost of replacing them exceeds these limits, you may want to purchase scheduled personal property coverage.

 

The Insurance Information Institute has a FREE online tool that can help you create your inventory. Just visit www.knowyourstuff.org for more details.

 

We hope you’ll never need the home inventory, but preparing for the worst can prevent a lot of hassle later!

 

 

 

Home Security

Keeping your home secure

 

Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it’s home improvement or home security.

home-security, brown & brown insurance of new mexicoAnd nowadays, there are more options than ever when it comes to home security, so we at Brown & Brown Insurance of New Mexico want to help you sort through those options with a few tips.

 

Do-it-yourself options

The widespread availability of electronic tools means that homeowners can set up their own monitoring systems if they choose, without the help of a home-security company.

  • Cameras: Smaller and more inexpensive than ever, cameras can be placed nearly anywhere on the exterior of your home and monitored from inside wirelessly — or set to record footage for review later. Available software even allows you to point your laptop camera in a particular direction (say, at the front door) and check the images from a remote location.
  • Lights: Motion-detecting floodlights are an excellent deterrent to thieves, because they don’t want to be seen. Make sure they’re installed near entryways, and that they aren’t easily reached from the ground. And using timers for interior lights is a good way to give the appearance that your home is occupied.
  • Alarms: Vibration alarms are available for windows, alerting you if someone is trying to get in. Similarly, other monitors can be installed near doors and programmed to sound if a person comes within a set distance. Some even emit barking sounds to make it appear that a dog is in the house.

 

Even if you aren’t interested in installing security equipment around your home, there are a number of things you can do to increase safety:

  • Keep your home locked. It sounds simple, but you’d be surprised how many people leave windows or doors unlocked. Make sure that sliding doors and windows have extra security, such as a track lock or dowel in the track.
  • Don’t leave a key outside. If you need to provide access to your home while you’re away, leave your key with a trusted neighbor or friend.
  • Watch the landscaping. Thick shrubs and bushes around your porch or yard can give thieves a good place to hide. Keep them well-trimmed and ensure that problematic areas can be illuminated with your outdoor lighting.
  • Use common sense. If you’re going away on vacation, cancel your newspaper and other deliveries. Ask a neighbor to keep watch, and park a car out front. Don’t post publicly on social media or leave a message on your answering machine or voicemail indicating that you’ll be away for an extended period.

 

Burglars really do consider deterrents such as alarms, cameras, dogs, etc., when looking at targets, according to a study released by the University of North Carolina.  So a small investment in security can make a big difference!

Contact Us!

At Brown & Brown Insurance of New Mexico, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 505-821-5888 or send us a note at info@bbnm.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Content provided by Safeco Insurance

 

 

 

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