The Harrison, AR area has been an excellent place for people to own a home. If you are a property owner here, you will want to get insurance for your home. There are various benefits that people in this part of the state will receive when they obtain the proper insurance to protect their assets. 

Cover Dwelling and Personal Assets

One of the reasons why people will want to have a home insurance plan is that it can help to protect and cover your dwelling and personal assets. Suppose there is ever a fire, vandalism, theft, or another situation covered by your plan. In that case, it will give the financial support needed to repair or replace your property and personal belongings up to the policy limits. 

Ensure Compliance

It is also a good idea to have home insurance to comply with any of your obligations. If you purchase a home, there is a good chance that you will also need a loan. Along with the loan, you will sign documents requiring that you keep your home insurance at all times. If you do get home insurance, it can help ensure you are adequately covered.  

People living in the Harrison, AR area will find it a great place to live. As you are looking for a place to live and buy a home, you should talk to someone you can trust about your insurance needs. The Foresee General Insurance Agency Inc. professionals can offer the help you need to build a proper home insurance plan. Foresee General Insurance Agency Inc. takes a customized approach to understand your options and building an ideal policy that will meet your needs. 

Home insurance is one of those things that most of us know we need, but few of us understand. For something so important, there is a lot of misinformation out there. This blog post will dispel some of the most common myths about home insurance. Keep reading to learn the truth about this important policy.

Myth #1: Home Insurance Is Too Expensive

This is one of the most common myths about home insurance. In reality, the cost of a home insurance policy is very reasonable, especially when you consider the peace of mind and protection it provides. Never let the price of a policy be the sole deciding factor when choosing insurance for your home.

Myth #2: Home Insurance Only Covers the Structure of Your Home

Another common misconception about home insurance is that it only provides coverage for the physical structure of your home. In reality, most home insurance policies also provide coverage for your personal belongings and liability protection if someone is injured on your property.

Myth #3: Home Insurance Is Not Necessary if You Have an Older Home

Many people mistakenly believe that home insurance is only necessary for newer homes. However, this could not be further from the truth. No matter how old your home is, it is always a good idea to have adequate coverage in case of an unexpected disaster. Remember, your home is likely your most valuable asset, so it is important to protect it accordingly.

Myth #4: Home Insurance Is Not Necessary if You Live in a Safe Neighborhood

Just because you live in a safe neighborhood does not mean that you do not need home insurance. While it is true that your risk of a break-in or other crime may be lower if you live in a safe neighborhood, there is always the possibility of an unexpected disaster, such as a fire or severe weather event. Home insurance can help protect you from financial loss in these situations.

Myth #5: Home Insurance Covers Everything

Home insurance policies typically have exclusions and limits on the coverage they provide. Be sure to ask your agent about coverage limits so you can be sure your policy will provide adequate protection for your needs.

Get Home Insurance in Harrison, AR

Now that you know the truth about some of the most common myths about home insurance, it is time to get started on finding the right policy for your needs. Foresee General Insurance Agency Inc can help. Contact us today to find the perfect policy for your needs.

How much do you know about your home insurance policy? If you spend countless hours sifting through your policy definitions, agreements, exclusions, limits, and coverages you’re not alone. Home insurance can be complicated to understand. Many homeowners in Harrison, AR, still have their claims rejected when they file for losses not covered in their policies. If you don’t know what your policy covers, you definitely don’t know these four unique things are covered in your home insurance policy.

Landscaping

Your home insurance indicates that it covers other structures in your home, like the shed and detached garage. That also means any other structure around your home is covered. Lawns, trees, hedges, fountains, and other landscaping features are all covered. Foresee General Insurance Agency Inc. recommends listing all these structures when applying for your home insurance.

Spoiled food

If your refrigerated food goes bad due to a power outage in your area, don’t just replace it. Your insurance company should pay for it once the power returns. However, your claim will be rejected if you intentionally cause the outage.

Identity theft

Identity theft has been covered in your home insurance policy for decades, but many people still do not know about it. Your policies cover legal fees, lost wages, mail costs, and other identity theft-related costs.

Belongings outside your home

Your home insurance provider knows that you and your family might have personal belongings outside your home. The policy covers your laptop that you always keep in your car or office, your children’s sports gear at school, and many other personal things outside your home.

If you’re unsure whether a particular loss is covered in your homeowner’s policy, always reach out to your insurance company before filing a claim. If you’re looking to buy home insurance in Harrison, AR, you’re in the right place. Foresee General Insurance Agency Inc. has everything you need to get a policy that matches your needs, comfort, and budget. Feel free to contact us, and we will be happy to help.

Severe weather can occur at some of the most unexpected times. Though we have technology such as radar to help us forecast weather patterns, sometimes identifying exactly how strong the storm will be is not always possible. When severe storms roll through Harrison, AR, they can leave a wake of damage behind. Foresee General Insurance Agency Inc. experts understand the importance of insuring your home and protecting it against severe weather. 

Review Homeowners Insurance Policy

All homeowners should conduct a review of their insurance policy annually. Check the policy to ensure there is enough coverage for potential storms in the area and adjust accordingly. Additionally, let your insurance agent know about any remodeling or construction which added value to your home. 

If you live in an area prone to severe weather, check with your insurance agent about adding additional coverage. Additional coverage all homeowners should consider includes flood, hurricane, tornado, and hail. These weather events are not covered under standard homeowners policies, and if they are, the coverage is minimal. 

Conduct Regular Inspections

Regularly walk your property looking for things in need of repair because a small hole or a loose shingle can turn into a disaster when severe weather strikes. Fix anything needing repair immediately or call a contractor who can inspect your home and conduct the repairs. 

Maintain Your Yard

When high winds roll through, debris in the yard gets picked up and can cause significant damage to a home. Regularly maintain your yard, trimming and removing weak branches from trees—secure patio furniture and loose items in garages or sheds when severe weather is approaching. 

Severe weather can strike at any moment, and being prepared in Harrison, AR means you and your home are better protected. Contact an agent at Foresee General Insurance Agency Inc. today to learn how insurance coverage can save you, your family, and your home. 

Foresee General Insurance Agency, Inc. serves the Harrison, AR community by offering residents different insurance coverage types. We strive to help our clients find policies that will help them protect their assets. We will work with you to find coverage that fits your individual needs.

Home Insurance Variables To Consider

Your Harrison, AR property is one of your most significant investments. Home insurance helps you protect it. Home insurance covers you if your home’s structure is damaged. Your personal items are also covered if they are stolen. You can amend your policy to provide different types of liability coverage. You will be protected if someone gets injured while they are visiting your property or if you cause damage to someone else’s property. Here are some other variables to consider while researching coverage.

Pets

If you have a pet, liability coverage provides protection when your pet is having a bad day and bites someone or vandalizes their property. The policy may differ based on the type of pet that you have.

Renovation Projects

If you plan a renovation project, you’ll have to add coverage to protect your home if something happens like a fire or hurricane. Once you have completed the project, it’s probably a good idea to have it appraised. That way, you can determine your home’s true value.

Special Accessories

If you have special accessories attached to the structure of your home, such as a swimming pool or trampoline, you’ll have to amend your policy to provide extra liability protection. The extra liability protection is necessary because the chance that someone may get injured while using these accessories is much higher than normal.

Foresee General Insurance Agency, Inc. Will Help You Protect Your Investment

Visit our website today to learn more information about home insurance.

If owning your own home is the American dream, paying off your mortgage is the next step. After all those years, your home is finally yours. No more mortgage payments, and now you may be wondering if you could save even more by dropping your home insurance. There are no laws in any state that requires that you carry home insurance, but unless you live in a bubble, it may not be the best idea in the world. Residents of Harrison, AR and the surrounding area can count on Foresee General Insurance Agency, Inc. to fill all their insurance needs. 

In the simplest terms, home insurance offers some valuable protection that you probably still want to keep even after your mortgage is paid off. It covers the physical building against a lot of hazards. It also covers structures that are attached to your main building and some detached structures as well. Assuming that you love your home, which most people do, you wouldn’t want it to be destroyed and not be able to rebuild. 

Your home is filled with memories and also with your possessions. Think about trying to replace everything that fills the rooms of your home, the closets, the drawers, and the cabinets. You own a lot of stuff. You count on most of it to function every day. Try to imagine living without it. Not worth contemplating for most people. 

Liability is something that is maybe the most crucial coverage of all. It only takes a minute for something to go wrong and for you to be sued. Losing everything that you have worked so hard for years to accumulate is the stuff of nightmares. 

Once your mortgage is paid off, you could let your home insurance lapse, but that would be a very bad idea. Too much depends on it. 

If you want to reaccess your home policy or get a policy review, give us a call at Foresee General Insurance Agency, Inc in Harrison, AR. We will sit down with you and make sure you are getting the coverage you want at a price you can live with.

What your home insurance covers after a disaster will depend on what occurred and your policy terms.

What Does It Cover?

Hazard insurance on a standard policy will cover many different natural disasters, such as fire, lightning, and wind. If you aren’t sure which natural disasters are covered under your specific policy, speak with an agent at Foresee General Insurance Agency, Inc. in Harrison, AR.

• Lightning: If lightning strikes a tree and causes it to fall over and damage your home, then the dwelling coverage will pay to repair the damage. If your belongings are damaged by a peril such as lightning, then the personal property insurance will kick in to cover those items.
• Fires: Whether it’s an accidental blaze, a fire caused by a vandal, or a wildfire, it can be covered under home insurance. Both dwelling coverage and personal property coverage can be used to pay for damages.
• Tornados or Hail: These natural disasters will often be covered under a standard policy. If you need to relocate while your home is being repaired as a result of these disasters, then additional living expenses coverage can kick in.

What Does It Not Cover?

Even though home insurance will cover quite a few disasters, there are some instances when your policy won’t cover any damage. Damage caused by earth movements, such as landslides, mudslides, sinkholes, and earthquakes, isn’t covered. Damage from floods also will not be covered. There can also be exclusions for other water damage and mold that comes from a sewer backup. If you live in an area where flooding is common, then you want to get a separate quote for flood insurance. Maintenance damage, such as pest infestations, are not covered either.

Contact Foresee General Insurance Agency, Inc. in Harrison, AR to get a quote on home insurance.