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Owning a Home Safe & What to Store in It

If you don’t own a home safe, it might be time to make the purchase. Not only can they help with theft of valuables or family heirlooms, but they can also protect special documents. A home safe is priceless when the unexpected occurs. Documents and valuables can be kept out of harm should you ever experience a home fire or burglary. These reasons alone should be a good motive to invest in a home safe.

Where to place your home safe

When shopping for a home safe, make sure it’s heavy enough so a burglar couldn’t walk away with it. If you can, bolt it to the floor or install it into a wall. An additional thought is to store it in a unique place in your home unless you’re using it daily such as in an office. You don’t want to simply not use it because it isn’t convenient. Some additional things to consider is the size of the safe. Safes that are heavy and require a hand truck to move should be placed on the ground floor. Safes that can be moved with a couple of people are okay to have on the second floor. If your main concern is fire, you should try to place your safe on a cement slab.

Twelve items to store in your home safe

  • Passports, original birth certificates, marriage/divorce papers, social security cards
  • Cash
  • Wills or other important legal documents
  • Valuable watches or jewelry
  • SD cards, important computer back up discs or other electronics that are important, but you may not use on a weekly basis
  • Annual tax returns
  • Small firearms
  • Spare car keys and titles to all vehicles
  • Important papers regarding bank accounts, retirement or other investments

Investing in a safe today could prevent an unfortunate headache in the future. While owning a safe is important, having the right home insurance policy is just as valuable. For all insurance questions, call the insurance agents at Heuer Insurance Agency. We have years of experience and will help you find the best coverage for your needs.

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Engagement Ring Coverage

Getting engaged is an exciting time and brings happiness to not only the couple, but their family and friends. While the new couples should cherish this special moment, they should also find an insurance policy to protect the engagement ring immediately.

Anything can happen to an engagement ring, whether it’s stolen, damaged or accidentally falls down a drain. While memories of the ring itself cannot be replaced, a good insurance policy can provide financial protection to an unfortunate situation.

Like other valuables coverage, insurance for your engagement ring can simply be added to your home or renters insurance policy on something called a “floater.” It’s a simple insurance policy extension. A good policy will cover everything from theft and damage. The cost of coverage varies, typically $1 – $2 per $100 in value for a yearly policy. So, for a $5,000 ring, you’d expect to pay $50-$100. By calling Heuer Insurance Agency, we will ensure we find the best coverage for your ring.  We can also help answer any questions regarding ‘what if’ situations.

Before seeking out insurance, you will need to provide an appraisal and receipt for your ring. This is typically provided by reputable jewelry dealers at the time of purchase. If your engagement ring hasn’t been appraised, you can meet with a gemologist to receive an official appraisal for a small fee. Once you have your appraisal, store it in a safe or vault.

An additional thing to consider for all newlywed couples, if the bride and groom were living in separate homes before the wedding, make sure the ring insurance is transferred to the right home address. Often times, individuals have the ring insured at the bride’s previous address on a different policy and forget to transfer it to the new living address and insurance policy.

If you are recently engaged or planning an engagement, call the insurance agents at Heuer Insurance Agency. We can help you the best option to protect your investment.

Has your home been burglarized? Or, have you experienced a water claim?

Happy New Year to the faithful readers of this blog! Can we still say that!? It’s amazing how fast January has come and gone. We hope you survived the holidays and the time you spent with your family and loved ones.  What a GREAT holiday season it was, but now it’s time to get back to reality, and that’s where this blog comes in.

I am constantly amazed how many homeowners claims we get from the peril of BURGLARY!  These claims are always upsetting to the client, because they feel violated and most assuredly, they lost some very valuable and sometimes, impossible to replace memorabilia from the family or even a favorite team!  I know if I ever lost my signed Barry Bonds jersey, I would be devastated.  So stop for just a few seconds and think about what you and your family might do to prevent your family from suffering this type of devastating loss.

1) Do you have an alarm system??

2) If you have an alarm system, DO YOU USE IT EVERY DAY AND EVERY NIGHT?

3) You would be shocked to know some people don’t even lock their inside the garage door that leads into the house!  All a bad guy has to do is cruise down your street pushing a bunch of garage door openers till he finds yours!  Once inside, he can calmly shut the garage door down, and literally WALK thru your unlocked door!    Worse yet, he can park his van INSIDE your garage, and he can take his sweet time loading up your valuables!

4) Are bushes and trees trimmed around front door and windows?

5) Are you leaving lights on inside when you leave, and maybe leave a light or a TV or radio on to indicate you are home??

These are just a few simple tips on how YOU can prevent one of the saddest types of claims our office sees.

We are also continuing to see an extraordinary amount of water claims, from inside causes and outside elements. Did you know you can buy devices that detect water where it’s not wanted in your home?  Many water sensors are inexpensive battery powered devices you can place on sump pumps and other models to put on floors near plumbing that could leak.  You don’t need any tools and it’s usually a very simple installation.  Unit alarms sound when they detect water, it’s that simple.  Alarm transmitters need to be placed where they will be heard if they activate.  But…you have to be diligent and check batteries often, just like you do for your smoke detectors and any other safety type things we commonly use. There are more sophisticated water sensor systems that automatically shut off the water supply to the entire house.  For some, plumbers must install the special valves and electricians must wire the sensors, so you are investing quite a bit of money should you decide to go that way. For those apartment dwellers, your residence may be a perfect candidate for a water sending system. We suggest you talk to your local plumbing supply or hardware store about these systems.  Even the cheapest system can save your deductible and an expensive homeowners claim.

Speaking of water… we hope that you all stayed dry during the floods this year. As a friendly reminder, flood and earthquake are not covered under your typical home policies. If you’re interested in looking into these coverage’s, please let us know.

Thanks for reading, and we always appreciate your loyalty and your business.