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Home Insurance. Thursday , February 22nd , 2018 - 00:04:02 AM

Don’t put off grading your yard if you notice signs of bad drainage. Repairing your landscaping and the foundation of your house will prove to be much more expensive than fixing the immediate drainage problem, and once it’s fixed, you could make your house worth more. Grading will help you sleep better at night when that next thunderstorm rolls in, because you’ll know the water will be successfully diverted away from your house.

Some systems have additional sensors to monitor for fire, smoke, and water damage, and some newer systems incorporate security cameras both inside and outside the dwelling. With the added protection offered by home security systems, many insurance companies now offer discounts on premiums on homeowners or renters insurance policies if a homeowner chooses to install a system.

Review your homeowners policy and understand what it does and does not cover. Many homeowners are unaware that damage caused by flooding resulting from a hurricane is not covered by their homeowners insurance. If you live in a coastal area, even if you are not in a low-lying area, you might want to consider purchasing flood insurance. Do not wait too long to do this, as most policies are usually not effective until after 30 days.

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