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Posts Tagged ‘ home insurance Fargo ’

Home Insurance for Daycares

Tuesday, February 2nd, 2021

Running a daycare is a big job! There’s no denying that trying to keep tiny humans happy and engaged is a big task all on its own.

The truth is, there’s a lot to think about above and beyond happy toddlers when it comes to running your daycare. This includes home insurance and whether or not it will be effective should you run a daycare in your home.

Never fear! We’re here to give you everything you need to know so you can get back to doing what you do best. 

Home Insurance and Home Daycares 

Now the big question here is if your home insurance will cover your daycare, which at the end of the day is a business. The quick answer to this question is probably not.

While some insurance companies will give you the option to add on to your existing home insurance policy to cover the needs of your daycare, it’s usually not included right in your regular home insurance policy. Some insurance companies will also require you to purchase an entirely separate policy just for your business.

Why Get Insurance for a Daycare?

If you run a daycare out of your home accidents are bound to happen. Especially with children!

This means you’re at a high risk for liability if an accident is to occur. It could be anything from a trip and fall to slipping on an icy sidewalk. Once these types of accidents happen on your property you become responsible for any of the damage or injury caused.

That’s why it’s always best to have the proper insurance policy in place and make sure you have the coverage you need should the unexpected happen!

Daycare Insurance Eligibility

It’s possible you may need a licence before you can legally take care of other people’s children in your home. Be sure to look at the laws within your area and see what’s required of you.

Once you have established if you do or don’t need a license, an insurance provider will be able to help you get set up.

Ready to find the perfect commercial insurance solution for your business? Contact us today!

How to Determine Your Home’s Water Damage Risk Before It’s Too Late

Tuesday, June 4th, 2019

Have you ever dealt with water damage in your home? If so, you know it can happen in a matter of seconds and it doesn’t take long to cause incredible damage.

Here are a few ways to help determine your home’s water damage risk so you can address any potential red flags before it’s too late!

The Age of Your Plumbing

If the plumbing in your home is old, there’s a better chance of pipes rusting, breaking, or causing other problems. This is one reason older homes have a greater risk of water damage.

New homes aren’t immune to water damage from plumbing either, but they’re often covered by warranties from the builder.

The Buildup of Snow and Ice on Your Roof

When a significant amount of snow or ice accumulates on your roof, it greatly increases your risk of water damage. The snow and ice can melt and back up into your home. Often, the damage will be hidden in the attic and homeowners won’t realize it’s happening until the damage is catastrophic.

If your roof has more than two feet of snow or more than two inches of ice, hire a snow removal company to clear your roof, because doing so on your own poses safety risks.

The Condition of Your Basement

Basements are notorious for flooding issues, so there are things you should be on the lookout for so this doesn’t happen to you.

  • The slope of the ground
  • Ineffective drains
  • Improperly sealed basement windows
  • Cracks in the foundation

Your Proximity to Water

Living near a body of water might never cause you any problems, but all too often, these bodies can overflow and result in flooding of the land and property around them.

If you live in close proximity to water, be sure to speak to your insurance company about your options for financially protecting yourself. You can also consult with experts for advice in protecting your home from water damage.

If you have questions about insuring your home for water damage, get in touch with Fargo Moorhead Insurance today!

4 Surprising Things Your Home Insurance Can Cover

Saturday, December 22nd, 2018

If accidents, theft, or damage take place in your home, the last thing you want to worry about is if your home insurance covers certain losses. That’s why figuring out what your home insurance covers ahead of time is so vital for your peace of mind.

While basic homeowners insurance policies cover your dwelling from things like fire and theft, there are plenty of things you might be surprised to know can be covered by a comprehensive home insurance plan.

  1. Other Structures on Your Property

In addition to the structure of your home, your insurance can also cover other structures on your property that aren’t attached to your house. This could include things like dog houses, patios, gazebos, and more!

  1. Spoiled Food

When a storm or another event causes a power outage in your home, the food in your refrigerator will spoil quickly. If you take pictures ahead of time, many homeowners insurance plans will reimburse policyholders for the cost of spoiled food after a power outage.

  1. Dog Bites

Some home insurance plans cover medical care expenses if Fido bites someone. If this sounds like something your dog might do, it might be useful for you to purchase additional coverage for this event. Often, a base level of coverage is included for dog bites, but if your pet inflicts serious damage, the costs may exceed your policy limits.

  1. Tombstones

Although grave markers and tombstones aren’t always on your property, they’re considered personal property and can be covered by your home insurance. If a tombstone is damaged or cracked from something like a storm or falling tree, you may be covered for about $5,000 in damages. However, if the cemetery is responsible for damaging the tombstone, they should have their own insurance to cover it.

Not all home insurance policies are the same, which is we work with homeowners to craft unique plans that fit your equally unique home and property. Call Fargo Moorhead Insurance today so we can find the right home insurance policy for you!