Fall is a terrific time to do some routine maintenance and yard work to get ready for the winter season. It is always nice to start early before the pressures of the holidays begin. As part of your fall checklist, be sure to ask your insurance agent at Paragon Independent Insurance Agency to review home insurance for adequate coverage.

Fall Checklist:

• Change the Furnace Filter – Using a HEPA filter is best. The filter needs cleaning and/or changing once per month during winter for the most efficient furnace operations that save money on energy bills.
• Air-Conditioning Units – Drain any water, clean, and store any window units or cover them. Drain water, clean, and cover external central air-conditioning units.
• Irrigation Systems – Turn off the water supply and drain irrigation systems. Drain garden hoses and put them in storage.
• Reverse the Direction of Ceiling Fans – Switching the spin direction of any ceiling fans to a clockwise direction brings the warm air down from the ceiling to make the room warmer.
• Block Drafts – Check weather stripping and use caulking around windows and doors to prevent heat loss from leaks.
• Insulate Pipes – Make sure all water pipes have proper insulation to avoid damage from water freezing in them.
• Air Ducts – Have them professionally cleaned and checked for any leaks that cause heat loss.
• Landscaping – Trim bushes and trees, especially ones that are near the home to prevent damage to the house from falling branches during storms.
• Storm Windows – Use storm windows to protect from damage during any high winds or thunderstorms.
• Lightning Rod – Install a lightning rod to attract lightning strikes away from hitting the home during thunderstorms.
• Emergency Preparedness – Check smoke alarms. Have an emergency kit ready and refilled with any items needed.

This fall checklist will help you get your home ready for winter, so you can have a safe, enjoyable holiday season.

While you have Plano, TX home insurance through the Paragon Independent Insurance Agency, are your valuable truly protected in case of total loss due to fire or theft? There is a section of your policy that is for replacing personal items in times of emergency, but each one can provide differing coverage.  If you own valuables such as high-end electronics, designer shoes or jewelry, will you be sufficiently compensated when faced with replacing them with a single check from your insurance company?

Actual Cash Value vs. Full Replacement Cost

Once you’ve worn your red heeled shoes a few times, they are no longer considered new. Should they be part of a claim of personal possessions, it is likely you’ll receive significantly less compensation than what it will actually cost to replace them.  Many basic home insurance policies use an actual cash value to place a price on your items, meaning if they are used, you won’t get the money to replace it with a new version.  Full replacement cost helps to ensure your grandmother’s diamond ring will receive a proper valuation and benefit check.

Fine Collections Can Be Costly

Stamps, fire arms, coins and other fine collectibles should be itemized on your inventory complete with a valuation submitted by an expert in the field, in order to truly protect your investment in case of loss or theft.  You may want to include separate insurance for such items when creating a home insurance policy capable of protecting your future.

In order to ensure that you and your family will continue to live according to how you are accustomed after a catastrophic loss of property, it’s a good idea to give your agent at Paragon Independent Insurance Agency in Plano, TX a call today and update your home insurance policy.