Protecting Your Home During Cold Weather

Our homes are our havens from the world but sometimes, if we aren't properly prepared, the chill of winter can intrude. These simple tips can help you protect your home during the cold months, give you peace of mind when wintry weather strikes, and even save you money and reduce potential home insurance claims:

1. Inspect your furnace: Do you know that musty smell that emanates from your furnace the first time you turn it on each winter? That might not be from dust that's settled in the vents but could instead indicate a filtration problem. Change your furnace's filter before turning it on for the first time, and continue to change it monthly throughout the winter.
2. Invest in a programmable thermostat: A programmable thermostat gives you better control over your heat while you are at home and away from home. The control offered by this inexpensive device can save you money while preventing the fire hazard sometimes presented by area heaters. Set your thermostat to lower temperatures at night when everyone is sleeping or during the day when the family is at work and school.

Make sure you have peace of mind when it comes to your Newtown Home Insurance and read the rest of this article from Worthington Insurance.

Insurance coverages vary for home-based businesses

by Sandra Taylor-Sawyer | Clovis News Journal | October 11, 2010

Insurance needs for a home-based business are not as different from a storefront business. However, there are areas that home-based business owners may overlook when considering insurance coverage.

Many homeowner insurance policies will not automatically cover a home-based business. In fact, by operating a business in the home it can render a home insurance policy void. When there is a separate structure from the home it is not typically covered under the homeowners' policy.

At a minimum, general liability, content, and business interruption insurance are coverage home-based business owners should consider. General liability will provide protection if an injury occurs at the home.

Content insurance will cover the business equipment excluding data files. If the equipment is used outside of the home, such as a laptop computer, a separate policy will be needed to ensure coverage. The interruption insurance will replace lost revenue in the event of a natural disaster.

Other uncommon insurance coverage for a home-based business includes auto, errors and omission, professional and product liability, and malpractice. Yes, malpractice.

Typically thought of as insurance for the medical field, the coverage protection is for businesses that provide treatment. For example, a dog groomer business should consider obtaining malpractice insurance.

Coverage can be obtained that protects the service business and the client from losses suffered by the service provided, as well as a shield for personal assets. Product-base businesses should consider insurance to protect against none or incorrect performance of the product.

Finally, all home owners should review on an annual basis their insurance policy due to the definition for a business. An individual may have a hobby that is considered a business by the insurance industry.

The best direction is to analyze needs and plans of the business, meet with an insurance agent to discuss coverage options, and shop around for the best deal that meet the businesses needs. This will take several worthwhile hours of the business owners' time.

Regardless of what type of contract is being considered, one should always seek legal counsel to understand the small print and before signing on the dotted line.

Talk to us at Worthington Insurance and make sure you're completely covered by your Newtown Home Insurance policy.

Newtown PA Home Insurance

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