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November Newsletter

Difference Between Homeowner’s Insurance and a Home Warranty:

There are a lot of people buying new homes in our area and during the escrow process, you might be presented with the option to buy a home warranty policy. Have you ever stopped to wonder what’s the difference between that home warranty and the equipment breakdown coverage you might see on your homeowners policy?

Our friends at Safeco Insurance Company provide us this brief explanation…Both types of documents provide coverage for things like well pumps, dishwashers, garbage disposals, ovens, washers and dryers as well as your refrigerator and water heater. The difference is, with equipment breakdown coverage the loss must be sudden and accidental in nature and overall wear and tear is specifically excluded. The Home Warranty on the other hand covers normal wear and tear, whereas accidental damage is not covered. In short, if it’s sudden and accidental there is a good chance your Homeowner’s Insurance will cover it, if it’s an instance of wear and tear we suggest you check with your Home Warranty if you have one.

If you have any specific questions call your agent at Heuer Insurance.

Agency Happenings:

We spent Halloween afternoon cleaning up our “adopted” park. We were fortunate to have beautiful weather and enjoyed the time outside as a team doing our part in helping keep our community clean.

 

 

Shameless Plug:

Don’t forget our referral program! Congratulations to Theresa N. and Paula C. They were dual winners in September.

There’s plenty more chances to win this year. Like us on Facebook and tell your friends about us. You could be next!

Above all, THANK YOU for your continued business, we so appreciate it! We have a ton in store for our upcoming 90th Anniversary. Be sure to stay tuned for some exciting announcements…

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October Newsletter

Insurance News:

Wow it’s STILL hot and dry out, and wildfire season is still upon us big time! Have you seen the newest blaze that sparked over the weekend in the Ruby Mountains? Just devastating to some of the finest country Nevada has to offer. As we saw this past summer, even living inside the city limits does not make us immune to wildfires.  We’ve talked in the past about defensive space between your house and flammable bushes, trees, or weeds. Now is the time to give your property a hard look again, are you ready in case wildfire gets too close to your house?  We suggest incorporating fire prevention into your annual fall clean up.  Besides the whole defensive space conversation, here are Ten Tips for Wildfire Safety:

1). Turn a light on in each room
2). Close all windows, doors and fireplace dampers
3). Remove curtains and flammable materials from windows
4). Turn off all pilot lights and shut off propane tanks and natural gas
5). Seal attic and ground vents
6). Place outside furniture inside
7). Prop a ladder against the house for easy access to roof
8). Connect garden hoses to outside taps
9). Wet the roof and shrubs within 15 feet of all structures
10). Continually check the roof, attic and yard for embers, smoke and fire for at least 12 hours

Agency News:

We had two anniversaries this past month. Michelle Meeks celebrated 19 years and Derek Moore celebrated 2 years. The two of them play a pivotal role in our Commercial Lines Department. If you’ve had a chance to work with either of them directly I think you’d agree, they are great!

As you may have seen on Facebook, the team played hooky last week and spent an afternoon at Hammer & Stain working on a Fall project. We had a great time! If you haven’t been there I’d highly recommend you go visit.

That’s all for now but stay tuned, we have some exciting things happening that we can’t wait to share! As always, thank you for your business and continued loyalty.

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6 Simple Tips if You’re Preparing to Sell your Home

Preparing to sell your home can be a large undertaking. Often, people put off repairs on their home that don’t bother them, but would certainly deter prospective buyers or set off an alarm to a home inspector of other problems. If you’re preparing to sell your home, follow these steps to ensure you get the top dollar and avoid any unexpected last-minute repairs.

Fix any major, obvious repairs:

Do you have gutters that are falling off of your home or does your house paint need some touch-up? Repairs like this can be fixed for as little as a couple of dollars but add tremendous appeal to your home. Look around your home for small items that could easily be repaired.

Complete any unfinished remodeling projects:

You may have lived with that single paned aluminum slider door for 10 years even though all the other windows and doors are energy efficient vinyl. By replacing the door it gives your home a finished appeal that buyers are looking for. Many home buyers don’t want to take on a project.

Declutter your home:

Many of us have collections of some sort. Antiques, glasses, toys, DVDs and the like. Additionally, personal pictures of family, friends and yourself. Pack these items away so the home buyers can visualize themselves in your home.

Clean:

Cleaning your home and all of the surfaces allow the homebuyer to see your home at its best. Dust the tops of the refrigerator, window sills, furniture and any other flat surface. Put clothes away neatly into closets or dressers. Consider, for a small fee, you can hire a cleaning company to clean your home from top to bottom ensuring you get top dollar for your sale.

Add some color to your curb:

It’s hard not to judge a home from the outside even though most of our time is spent inside of our homes. Adding some potted plants and color to the outside of your home is a great way to welcome buyers. If you don’t want to spend much on landscaping, consider a nice potted plant next to the front door full of color and vibrancy.

Ask your realtor for blunt advice:

Your realtor wants you to get as much for your home as possible. Ask them to walk through your home with a notepad and give you suggestions on what would improve the appearance of the home. Don’t take it personally, while your home is cherished and you likely have many great memories there, at this point its business.

As you move on from your home, consider what your new home purchase may be like. We’d be happy to provide you with quotes along the way for everything from insuring the property, to earthquake and flood insurance. If you’re going to be renting for a while or moving into a condo, we offer both renters and condo insurance as well.

Heuer Insurance Agency in Sparks has worked with a variety of clients in the Reno area over the years and we are confident in our ability to meet your personal or business insurance needs. We understand how important an insurance policy can be and we take time to match each of our clients with the perfect insurance policy. Whether you are looking for auto insurancerenters insurancehomeowners insurance, or life insurance we can help you. Not only can we provide you with each of these personal insurance policies, but we can also help you find a general liability policy, workers compensation policy or commercial building insurance policy. Give us a call at 775-358-5554 or visit us.