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How Does Having a Pool Affect Your Homeowner’s Insurance?

A pool can add value to your home, but it can also add some insurance complications. Here are several ways that can significantly affect your homeowner’s insurance. Increased Liability Coverage Higher Risk: Pools are considered an attractive nuisance, meaning they can attract children and increase the risk of accidents. Higher Liability Limits: Insurers may require … Continue reading “How Does Having a Pool Affect Your Homeowner’s Insurance?”

The History of Our Agency

Do you know how Raymond Nelson Insurance Agency first got our start?  Read about the history of our agency in our latest blog. 1971 – Door-to-Door Insurance In 1971, Mr. Raymond Nelson was living in Hopkinsville, KY, selling life insurance door-to-door. His dedication and commitment to helping people protect their futures saw him build strong … Continue reading “The History of Our Agency”

Does My Homeowners Insurance Cover My Yard?

Homeowners insurance typically covers the structure of your home, personal belongings, and liability, but is there insurance for your yard? Your policy may have limited coverage for landscaping. Basic policies usually cover landscaping only to a certain extent and it may be conditional to covered perils. What does homeowners insurance cover? Yard Your yard may … Continue reading “Does My Homeowners Insurance Cover My Yard?”

Does My Insurance Cover Home Renovations?

Your homeowner’s insurance may provide coverage for minor renovations you made to your home before a covered loss. However, if your renovations include things like adding a room or installing a pool, your policy may need to be updated to provide additional coverage. What does homeowners insurance cover? Typical homeowners insurance policies protect your home … Continue reading “Does My Insurance Cover Home Renovations?”

Why & When You Should Review Your Coverage

It is critical to review your insurance coverage regularly to help ensure that your property, your possessions, and your loved ones are well protected. Here are a few reasons why and how often you should review your insurance coverage: Life Changes: Significant life events such as marriage, divorce, the birth or adoption of a child, … Continue reading “Why & When You Should Review Your Coverage”

Protect Your Property From Frozen Pipes

During these winter months, we want to bring to your attention the increased risk of frozen pipes in residential properties. Frozen pipes can lead to significant damage and result in costly repairs, which may only be covered if preventive measures are taken. To ensure the safety of your property and the preservation of your coverage, … Continue reading “Protect Your Property From Frozen Pipes”

Are You Winter Weather Prepared?

This time of year, it’s crucial to ensure that you and your loved ones are prepared for the challenges that winter weather can bring. Here are some essential tips to help you stay safe and comfortable during the winter months: Bundle Up:  Dress in layers to trap body heat and protect yourself from the cold. … Continue reading “Are You Winter Weather Prepared?”

Car Theft is on the Rise, Especially on New Year’s Eve

Multiple reasons for increased car theft include strained financial resources, social media pressures, and the rising value of vehicles and vehicle parts. Catalytic converters are particularly popular because of the precious metals they are made of—platinum, palladium, or rhodium. Preventing car theft involves a combination of awareness, precautionary measures, and security measures. Here are some … Continue reading “Car Theft is on the Rise, Especially on New Year’s Eve”

Holiday Insurance Travel

Travel insurance helps protect you when unexpected things happen before or during trips. Getting travel insurance for the holidays can be a wise decision for several reasons. While the specific coverage may vary depending on the policy and provider, here are some common reasons to consider purchasing travel insurance: Trip Cancellation  Travel plans can be … Continue reading “Holiday Insurance Travel”

Don’t Become a House Fire Statistic!

Local US fire departments respond to over 1.3 million fires every year and cause over $16 Billion in damages. Everyone should be aware of several common house fire hazards and take precautions to prevent them. Electrical Issues: Overloaded electrical outlets or power strips. Frayed or damaged electrical cords and wires. Faulty wiring or outdated electrical … Continue reading “Don’t Become a House Fire Statistic!”

Do you Need Insurance for your RV? Golf Cart?

Check out these different types of recreational vehicles and the insurance they require to keep you safe and sound during your adventure!  From ATVs to golf carts, make sure you have the right insurance before any road trips so you can enjoy the journey worry-free.  RV Insurance Unlike other vehicles, recreational vehicles (RV) don’t always … Continue reading “Do you Need Insurance for your RV? Golf Cart?”

Back To School Safety Tips

We want to remind you to be extra cautious when driving near schools. Here are a few school safety tips to ensure the safety of our kids:   1. Slow down and remain alert There’s going to be a lot more kids on the sidewalks and streets when school starts, so take it slow and always … Continue reading “Back To School Safety Tips”