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Armar Insurance Agency, LLC Blog: home

View the latest blog posts from Armar Insurance Agency, LLC.

There are seven general types of home insurance policies under the industry standard Homeowners 2000 Program, ranging from HO-1 to HO-8 (there is no HO-7) as of 2014. Perils covered under HO-1 policies are very narrow, and they are not sold in all states. READ MORE >>

Taking some simple steps before a winter storm hits can reduce the risk of falls around your home. With the National Weather Service reporting bone-chilling temperatures below 14 degrees Fahrenheit for one major city and massive amounts of snow affecting many others, safety is top of mind for many Americans. READ MORE >>

In addition to the health and safety dangers of sub-zero temperatures, blinding snowstorms and inconspicuous ice sheets, winter weather can also be incredibly dangerous to your home. Homeowners must consider a number of winter weather issues, including legal liabilities to watch out for and knowing whether your homeowners insurance policy has you covered. READ MORE >>

Continuing from last week's post, read more to see how you can be prepared for any scenario. Tools and Materials for Emergency Repairs: You don't need to be ready for a full scale remodeling project but you do need some basics. What if a tree branch falls and breaks a window? READ MORE >>

You likely have all sorts of things in your home right now that would serve you well in an emergency, with a few additions and some organization, you'll have a functional kit and contingency plan. Creating a home emergency kit can be a simple to enormous undertaking depending on the level of energy and preparation you want to invest into it. READ MORE >>

You probably don't think about it until happens. How many assets do you own that are high-value items either in terms of monetary or sentimental value? Your homeowner's insurance doesn't cover everything you own and the items it does cover are only partially insured if they're high-priced items. READ MORE >>

If you and the guy who wants to steal your television sat down to shoot the breeze, what would you ask him? The chance to pick a burglar’s brain could certainly give you some ideas for home security upgrades, but it’s not a very common opportunity. So, we created some fictional burglar monologues (based on real research). READ MORE >>

A friendly reminder: Hiding a spare key underneath your welcome mat is not sneaky. It’s obvious. So, try one of these smarter key-hiding tactics! The Brick Trick. We’re all for a well-maintained brick walkway, but one small chink in the mortar can be good news! READ MORE >>

When zombies, Snookies, and Lady Gagas storm your front door this weekend, don’t fear! Your homeowners insurance will protect you from Halloween mishaps. Halloween is all fun and games until a trick-or-treater trips, knocks over your jack-o-lantern, and sets your front porch on fire. READ MORE >>

Soon, ghouls, goblins and The Little Mermaid will be at your front door. Are you prepared? We aren’t talking candy-bought, decorations-up prepared. We mean, what happens if Glenda the Good Witch breaks her arm or your house is egged? Are you covered for that? Or will a night of tricks and treats become an expensive horror? READ MORE >>

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