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Pepe Insurance Agency Blog: homeowners

View the latest blog posts from Pepe Insurance Agency.

If you own a home, you probably already have homeowners insurance to protect your investment from covered losses. These days, many homeowners decide to rent out their old homes rather than sell them. However, a standard homeowners insurance policy may not cover damages that occur when your house is being rented out, depending on the situation and the length of the rental term. READ MORE >>

Your car is broken into, and your briefcase, dry cleaning, golf clubs, and favorite guitar are all stolen right out of your car. You are furious, of course, and think you want to put in a claim to your auto insurance to recover your losses. But....should you claim it under your auto insurance?  READ MORE >>

The weather is starting to heat up out there with over 90 degree temperatures. People have opened or starting to open their pool this time of year. Now is the season to splash around in the cool water. But who wants to swim in a dirty pool? READ MORE >>

Winter is over and summer is here. The temperatures are starting to soar, the rain is pounding, and the sun is blazing. It is time for summer cleaning of your home! Cleaning up your home and yard makes the house feel refreshed and ready for the warmer weather. In addition, you could be preventing some costly home insurance claims. READ MORE >>

You have a fire in your home and it destroys the structure of the home in several rooms and also a few home furnishings such as a sofa and television. You put in a claim with your homeowners insurance company to cover this loss. Suddenly you are faced with terminology such as replacement cost and actual cash value. READ MORE >>

Broken pipes, overflowing bathtubs, broken toilets, burst water mains, damaged washing machine hoses and flash floods. There are so many ways that water can cause expensive damage to your home. When the damage happens, your first step is to determine whether you have a water damage insurance claim or a flood claim. READ MORE >>

"Its NOT Covered" There really are no worse words that a homeowner can hear from his or her agent. Let's be honest. The first thing that comes to your mind is "why do I have homeowners insurance in the first place? What am I paying for year after year?" Granted, there are not a ton of instances where a homeowner's claim would not be covered. READ MORE >>

Winter is now here in full blast in New York. Along with the cold weather, we experience a lot of snow and the potential for ice to build up around your house, especially on the gutters and roof. When the temperatures plummet well below freezing, everything becomes frozen. READ MORE >>

You are relaxing one evening and watching the drama of a thunderstorm or a blizzard, when suddenly you hear a big crash on the other side of the house. You run over to that part of the house and notice a tree has come crashing down on your home. Part of the roof is destroyed, walls are damaged, and a beloved antique heirloom is smashed to pieces. READ MORE >>

The homeowners insurance policy is complex. It is not unusual for the average person to not know every detail of their home insurance policy. Even insurance professionals have to look at the policy from time to time to confirm their beliefs. Homeowners insurance is a must-have for homeowners who want to protect their investment. READ MORE >>

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