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ADC Agency & The Alpharetta Agency
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Help you avoid problems when you have a problem.
Several Insurance Companies offer home system protection, but homeowners will need to speak with one of our Licensed Professional agents for specific information to determine which home systems protection plan is best for you. Home systems protection may offer insurance coverage for particular perils typically not covered by a homeowners' policy. However, worn-
Typically, protection for appliances and other home items is obtained through warranties sold by companies that charge a premium based on selected appliances. A specific premium covers each appliance. In most cases, it costs hundreds of dollars per month.
A couple of additional offerings by some insurance companies cover all appliances and other household items. For example: Anything in the home or on the property that is powered by anything, gas, electric, and so on. Additionally, for homeowners whose homes are connected to a sewer line, they can have line coverage, which extends beyond just sewer lines. Buried telephone and electrical lines that are disturbed by tree roots or accidents while planting shrubbery, etc.. These types of coverage do not count against the homeowner’s policy as a claim and cost between $50 and $150 per year. Thus, a homeowner with a home warranty costing $100 or more per month can easily save $100 per month to cover any deductible on a claim, which varies from company to company.
Does your homeowner’s insurance provide coverage for home repairs?
Upkeep is a typical part of home-
Homeownership can be exciting, but many homeowners will likely experience the need for home repairs and maintenance at some point. Whether it’s from a leaking roof, broken furnace or HVAC system issue, the cost for repairs can quickly add up. It’s essential to understand what your homeowners' insurance covers in the event of the unexpected.
When can insurance be applied to home repairs?
Homeowners' insurance isn't typically used for household maintenance. Instead, it's there for unforeseen or accidental damages. Below are a few examples where homeowner's insurance could apply for covered losses:
Fire or smoke — if your kitchen sustains damage due to a fire.
Hail damage — if your roof or home sustains damage from a hailstorm.
Windstorm — if there's a storm and a tree limb or other debris causes damage to your home.
Frozen pipes — winter weather can sometimes result in frozen pipes that burst. This can cause water damage and necessitate plumbing repairs.
If you have doubts whether your insurance could potentially cover a repair, discuss with one of our License Professional insurance agents.
What do home warranty plans typically cover?
Home warranty plans, sometimes referred to as home repair insurance, typically cover: Appliances, Electrical systems, Plumbing, Air conditioning, Furnaces.
What is considered home maintenance?
Homeowners' insurance typically does not provide coverage for damages resulting from wear and tear due to lack of maintenance. For example, if you have a roof that has been deteriorating over the years and it starts to leak, the roof repair would most likely not be covered. This is why regular home repairs and maintenance of your residence is essential.
Whether it's painting, caulking, or cleaning gutters, maintaining a home can be a lot of work. You can tackle some projects on your own, but others may require a professional. Do your research to help you make that decision. Remember to document any maintenance or repairs you’ve made. This could be beneficial if you find yourself navigating the claim process.
The following are examples of home maintenance: Replacing doorknobs, Repainting walls, Changing the carpet, Cleaning gutters, Maintaining the washing machine, Cleaning the dryer vent, Caulking windows, Staining decks, Sweeping the chimney, Maintaining the garage door, Cleaning the septic tank, Replacing a sump pump, Cleaning furnace filters, air ducts and vents.
As large appliances and home systems get older or wear out, it's not unusual to replace them. These items may include: Refrigerator, Dishwasher, Stove/cooktop/oven, Air conditioner, Furnace, Water heater.
Worn-
We may be able to show you how to save hundreds, if not thousands, on your home insurance policy.
ADC and Alpharetta Agencies provide Boat, Auto, Motorcycle, Motor-
We insure almost any property, buildings, homes, rentals, auto, truck, and more. If you can work in it, ride in it or on it, store stuff in it, keep farm animals in it, live in it, rent to others to live in it, we have your back. Our Licensed Professionals have the knowledge and experience to provide you with the right coverage, from the right company, at the right price. Call us, let us do the hard work for you with your insurance and real estate needs.
Give us a call.
Office: 770-
Or just stop by the office.
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