Decluttering Your Home With Safety in Mind

When you have an excess of stuff in your home, you will likely feel more stressed and be less able to function efficiently and effectively. Not only that, but your home could be less safe. But not to worry, as you can declutter your home with a focus on making your environment safer. Here is how to do that, courtesy of TAB Insurance Agency, LLC serving the Frisco, TX area.

Eliminate tripping hazards

Clutter in your home can put people at increased risk of tripping. For example, toys, books, accessories, and knick-knacks left on the floor can be in the way and result in a serious problem. Remove extra items, and put away the stuff you keep.

Remove stray electrical corded items

Another problem with clutter is the various electrical items that result in cords dangling in risky spots, such as areas where people walk through rooms and hallways. Declutter extra electrical items that you do not need or use.

Haul away stacks of papers

Newspapers, magazines, books, and any other paper items are commonly stacked up throughout a house. But then they can become safety hazards, so declutter them and get them out of your house. Recycle or donate the papers you do not keep.

Get rid of hazardous material

Containers of paint or extra batteries, as well as a whole host of other hazardous materials and substances, are often in the garage, laundry room, basement, and other areas. Safely remove them from your home.

Do not overwhelm yourself by trying to declutter your entire home at once. Instead, focus on one room or area at a time. If you need information about decluttering, safety or home insurance, feel free to contact TAB Insurance Agency, LLC serving the Frisco, TX area.

Frequently Asked Questions About Loss of Use and Your Homeowner’s Insurance Policy

Insurance policies can be complex and there can be a lot of terms in your policy that you may not fully understand. Here at TAB Insurance Agency, LLC, serving the greater Frisco, TX area, we want to help you understand as much about home insurance as we can. If you are looking at your policy and see the terms loss of use, you may have a few questions. Here are a couple of the questions you may have about loss of use and your homeowner’s insurance policy. 

What is Loss of Use?

Following a catastrophic event, you may find yourself unable to reside in your home. Your home may have been destroyed by a fire or flooded by rising river waters. If the event is covered by your homeowner’s insurance policy, loss of use of your home will kick in. Loss of use helps you to cover the costs associated with living out of your home, such as a hotel room and eating at restaurants until your home is habitable again. 

What Should Your Homeowner’s Insurance Policy Say About Loss of Use?

Most homeowner’s policies have limits related to loss of use. Typically, there is a deductible and a policy limit related to how much money the policy will pay for the loss of use. Always carefully read through the policy to see what the deductible is and what the policy limits are. 

Buying the right homeowner’s insurance policy can help to protect you against the unexpected. If you are in the market for a new policy, contact TAB Insurance Agency, LLC, serving the greater Frisco, TX area today. We can help answer your questions and help you to find the right policy for your needs. 

How Does Home Insurance Really Work?

Being a homeowner in Frisco, TX comes with a sense of pride. Thankfully, TAB Insurance Agency, LLC has the basics of home insurance right here to protect your home from the dangers of nature and human intervention. As you continue to read, we will educate you on the benefits and workings of a home insurance policy.

Insurance 101

No matter the type of insurance, it all works through the same idea. You make a monthly payment to the insurance company. If you run into trouble that is covered by the policy you agreed to, then the insurance company will help you pay costs that arise. The amount of money they provide and how they pay it all depends on the details of the contract. The basic idea is that if enough people pay into a collective insurance group, there’s always enough to help the few in need.

Choosing a Policy

This is the real component of home insurance that gives most people pause. How do you know that you have the right policy? Mostly it boils down to two things: satisfying your mortgage lender and maintaining peace of mind. Simply put, banks and lenders won’t sign a loan until you have a policy that satisfies them. Because of that, you can trust that the basics are covered. Weather, accidents and the most common causes of damage will usually have reasonable coverage. As for peace of mind, that depends on you. How much are the things in the house worth to you? Answering that question will help you determine the personal belongings portion of your policy. The last consideration is liability. Any policy is going to have at least some liability coverage. If you want more, consider supplementing it with an umbrella policy.

Handling a Claim

If your home is damaged, you are sued, or something is stolen, then you need to contact your insurance agent. Obviously, you should contact emergency services first. Once there is no immediate danger, talk to your insurance company. They’ll help you handle any paperwork necessary to file a claim, and they’ll walk you through your expectations. Homeowners’ claims are handled much the same as car insurance. They’ll review the case and work with you on the way to make payments where they are do. Sometimes that means writing you a check; other times it means paying contractors directly. It’s all case by case, so let your agent be your guide.

If you have any questions, feel free to contact your TAB Insurance Agency, LLC representative serving Frisco, TX. We’re the experts, and we’ll be happy to help you understand.