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 be covered depending on the type of damage that occurs. If the damage results from a peril such as fire, lightning, or theft, it will typically be covered.
  • Coverage may include damage caused by a vehicle that isn’t owned by a resident of the house.
    • Keep in mind that coverage may only help with the removal, not the replacement of the damaged landscaping.
Fallen trees
  • If a tree falls on your property due to a storm or strong winds and damages an insured structure, the removal costs will likely be covered.
    • However, if your tree falling was a result of the homeowner’s negligence or a maintenance-related issue, the removal costs likely won’t be covered.
Trees, Plants, and Shrubs
  • Trees, plants, and shrubs are typically covered by homeowners insurance. For other landscaping features, damages may be covered if they’re due to perils such as fire, explosions, lightning, theft, and vehicles.

If you have expensive landscaping or want more comprehensive coverage, then you may need to purchase additional coverage or a rider to your policy. 

If you have any additional questions about insurance for your yard, please don’t hesitate to reach out. We’re here to help ensure you have the information and protection you need throughout your remodeling journey.


At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most to you. We always take the time to get to know each client and also serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.

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 and your personal property from damage caused by several unforeseen events including:

  • Fire
  • Windstorm
  • Hail
  • Lightning

 

Your policy typically includes dwelling coverage to help pay to repair or rebuild your home if damaged or destroyed by a covered cause of loss.

Many policies also provide coverage for other structures on the property that are not attached to your home, such as:
  • Garages
  • Sheds
  • Fences
Additionally, many policies offer:

 
While standard policies generally don’t cover remodeling expenses, they do often provide coverage for damages that may occur during the renovation process. For instance, if a fire were to break out during construction or if your property were to sustain damage due to a covered peril, such as vandalism or theft, your insurance may help cover the cost of repairs or replacements.

It’s essential to review your policy carefully and consider discussing your remodeling plans with your Raymond Nelson insurance agent. We can offer guidance on any potential coverage gaps and advise you on whether additional insurance, such as a builder’s risk policy or a renovation endorsement, may be necessary to protect your investment adequately.

If you have any further questions or need assistance navigating your homeowner’s insurance coverage, please don’t hesitate to reach out. We’re here to help ensure you have the information and protection you need throughout your remodeling journey.


At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most: the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.

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, purchasing a home, changing jobs, or retirement can impact your insurance needs.
    • It’s crucial to review your coverage whenever these life changes occur to make necessary adjustments.
Policy Changes:
  • Insurance companies periodically update their policies, terms, and rates.
    • Reviewing your coverage allows you to stay informed about any changes that may affect your coverage or premiums.
Coverage Gaps: 
  • Over time, your insurance needs may evolve and you may find that your current coverage no longer adequately protects you against potential risks.
    • Regular reviews help identify any coverage gaps and ensure you have the appropriate level of protection.
New Risks:
  • With advancements in technology and changes in society, new risks may emerge that you weren’t previously aware of.
    • Reviewing your coverage allows you to assess whether you need additional coverage to protect against emerging risks.

As for how often you should review your insurance coverage, it’s generally recommended to do so at least once a year, However, certain life events may prompt the need for more frequent reviews. Check with your Raymond Nelson Insurance agent about when you should review yours.

By staying proactive and regularly assessing your insurance needs, you can ensure that you have the right coverage in place to protect yourself and your asset

If you have any questions or concerns, please don’t hesitate to contact us.


At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most: the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.

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, we recommend the following precautions:

Insulation: 
  • Adequately insulate exposed pipes, especially those in unheated areas such as basements, attics, and crawl spaces.
  • To learn more about insulation, click here.
Seal Gaps:
  • Identify and seal any gaps or cracks in walls, floors, and around windows and doors to prevent cold air from entering.
Heating:
  • Maintain a consistent temperature in your home, especially during extreme cold spells. Set your thermostat to at least 55°F (12°C) when you are away.
  • Think about a programmable thermostat.
Drip Faucets:
  • Allow faucets to drip slightly to relieve pressure in the pipes and prevent freezing.
Open Cabinet Doors:
  • Keep cabinet doors under sinks open to allow warm air to circulate around pipes.
Leave Interior Doors Open:
  • Allow warm air to flow freely throughout your home by keeping interior doors open.
Exterior Faucets:
  • Disconnect and drain outdoor hoses and shut off exterior faucets if possible.

Taking these precautions can significantly reduce the risk of frozen pipes and potential water damage to your property. Please remember that your insurance policy may not cover damages resulting from neglecting these preventive measures.

If you have any questions or concerns, please don’t hesitate to contact us.


At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most: the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.

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.
  • Don’t forget a hat, gloves, and a scarf to cover exposed skin.
Winterize your vehicle:
  • If you drive, make sure your vehicle is winter-ready.
    • Check the tires, brakes, and antifreeze levels, and keep an emergency kit in your car.
  • Winter Car Kit checklist
    • Windshield scraper
    • Small broom
    • Flashlight
    • Blanket
    • Spare radio batteries
    • Snacks or energy type food
    • Water
    • Flares and matches
    • Shovel
    • Hats, socks and mittens
    • First aid kit
    • Fluorescent distress flag
Practice Safe Driving:
  • If you must drive in snowy or icy conditions, drive slowly, keep a safe distance from other vehicles, and use snow tires if possible.
  • Be cautious of black ice on the roads.
  • Travel with a fully charged cell phone.
  • If you know you’ll be driving during a snowstorm, let others know about your route, destination, and estimated time of arrival.
  • If you become stranded in deep snow and are idling the engine to keep warm, keep the area around the tailpipe clear to avoid carbon monoxide poisoning inside the vehicle.
    • Also, open a window slightly to let in fresh air.
Take Care of Your Health:
  • Cold weather can strain your health, so get enough rest, eat well-balanced meals, and keep yourself physically active to boost your immune system.
  • Stay hydrated! Even in colder weather, it’s important to stay hydrated. Drink plenty of water to help your body regulate temperature and stay healthy.

Remember, being winter-ready is more than just having the right gear; it’s also about being informed and proactive. You can enjoy the winter season safely and comfortably by taking these steps.


At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most: the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.

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 tips to help you reduce the risk of car theft:

Lock Your Car 
  • Always lock your car doors and close your windows when you leave your vehicle, even if it’s just for a short time. Thieves often look for easy opportunities.
Park in a Well-lit Area
  • Park your car in well-lit areas, especially at night. Thieves are less likely to target vehicles in well-lit locations where their activities are more easily noticed.
Store Valuables Out of Sight
  • Avoid leaving valuable items in plain sight in your car. Thieves are more likely to break in if they see something of value inside.
Keep Spare Keys Secure
  • Don’t leave spare keys inside your car, and be cautious about who has access to your spare keys. Thieves sometimes look for spare keys in common hiding spots.

 

Remember that no method is foolproof, but combining these measures can significantly reduce the risk of car theft. Adapt your strategies based on your specific circumstances and location.

The Most Stolen Cars in the U.S. Is yours on the list?

Does Auto Insurance cover Car Theft?
  • Car theft may be covered under comprehensive coverage, which is sometimes called other-than-collision coverage. If coverage applies, then you would be responsible for paying the deductible. If you need clarification on whether your auto insurance policy covers theft, contact Raymond Nelson Insurance.

At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most: the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.

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 disrupted due to unexpected events such as illness, injury, or death of a family member. Travel insurance can help cover the costs if you cancel or interrupt your trip.
Medical Emergencies
  • Medical expenses can be high if you fall ill or get injured during your holiday, especially in a foreign country. Travel insurance often includes coverage for emergency medical expenses, including hospital stays and evacuation.
Vehicle Issues
  • If you have an accident or other problem with a rental car while traveling, rental car coverage helps pay certain expenses. It’s important to note that this doesn’t include liability coverage, which pays for damage to other vehicles or medical treatment of others if you’re found responsible for an accident.
Travel Assistance Services
  • Many travel insurance policies offer 24/7 assistance services, providing support in emergencies, helping you find medical facilities, or assisting with travel arrangements.
Peace of Mind
  • Knowing that you have financial protection in unforeseen circumstances can give you peace of mind and allow you to enjoy your holiday without worrying about potential risks.
  • How much does it cost? This insurance typically costs 5-6% of your trip expenses. For a $5,000 trip, this averages around $228, with rates ranging from $154 for basic coverage to $437 for comprehensive protection. Learn more about the average cost of travel insurance.

At Raymond Nelson Insurance, we go the extra mile. We find the coverage that best protects what matters most – the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.

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 systems.
Cooking:
  • Unattended cooking appliances.
  • Grease buildup on cooking surfaces or in the oven.
  • Flammable items left too close to heating sources.
Heating:
  • Portable heaters placed too close to flammable materials.
  • Malfunctioning or poorly maintained furnaces, boilers, or space heaters.
  • Blocked or dirty chimneys and vents.
Candles:
  • Leaving candles unattended.
  • Placing candles near flammable materials.
  • People may fall asleep using candles in bedrooms or other areas.
Faulty smoke alarms:
  • Failing to install or maintain smoke detectors.
  • Not testing smoke alarms regularly.
  • Check HERE for how often to check your smoke alarms.
Lint in dryer vents:
  • Failure to clean dryer vents regularly can lead to lint buildup and potential house fires.
  • Click HERE for data on home fires caused by clothes dryers and washing machines.
Keep Children and Pets Safe:
  • Children playing with matches or lighters.
  • Pets knocking over candles or other heat sources.

Practice fire safety measures, such as smoke detectors, having fire extinguishers on hand, practicing a fire escape plan, and being vigilant about potential fire hazards.

Check with your insurance company to ensure you have enough fire coverage for your home. Hopefully you will never experience a house fire, but Raymond Nelson Insurance wants you to be prepared for any potential hazards. 


At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most, the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.

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 require a separate insurance policy. Your existing car insurance policy may extend protection to RVs, including campers, caravans, and travel trailers, as long as they’re towed by your vehicle.

  • While you need a separate insurance policy to drive a motorized RV, your existing auto insurance offers some coverage to towed campers and travel trailers.
  • Motorized RVs must be insured like regular vehicles, including with bodily injury and property damage liability coverage — though you can also get add-ons for complete protection.
  • RV insurance offers coverage suited to the needs of part-time and full-time users of recreational vehicles, including personal property protection and coverage for attachments.
What about Golf Carts?
  • Golf carts have a usefulness that extends beyond the links, such as getting around your community, hauling gardening equipment, and leisurely rides around your property. But if you plan to drive your golf cart on public roads, you might need golf cart insurance, depending on your state, county, city, or town.
  • Golf cart insurance typically provides these types of coverage:
    • Collision and comprehensive, bodily injury and property damage liability, and other types.
    • This coverage can be part of your car insurance, homeowners insurance, or as a separate golf insurance policy.

Even if your area doesn’t require golf cart insurance, you might want to think about buying it.


At Raymond Nelson Insurance, we go the extra mile to find the coverage you need. We want to protect what matters most, the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.

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 be aware of your surroundings.
  • Leave yourself extra time to make it to your destination.
  • Be especially careful in school parking lots and loading zones.
2. Obey posted speed limits
3. Remember to follow school-bus rules
  • Do not pass the bus on either side of the road when red lights are flashing.
  • Even after lights stop, make sure the coast is clear before moving on.
  • Kids move quickly and erratically.
  • 2 or 3 Lane Road: Remember, when you encounter a school bus with its stop arm out and red lights flashing, it is crucial to come to a complete stop, regardless of your lane or direction on a two to three-lane road, including the turning lane.
  • 4+ Lane Road: If you find yourself on a highway or road with a median or more than four lanes, you are not required to stop for a bus traveling in the opposite direction.
4. Avoid using your cell phone while driving
  • It’s not only illegal to drive while using your cell phone, it can distract you.
  • When stopping at a crosswalk, give kids a visual signal you’ve seen them: smile, wave, or give a thumbs-up!
Parents – Teach kids to be safe while walking:
  • Always use marked crosswalks and look both ways.
  • Try to make contact with drivers to make sure they see you.
  • Never move into the street from behind a car or other obstacle.
  • If there is not sidewalk or path, walk facing traffic and as far to the left as possible.
  • Never let young children cross the street alone.

Safety is our top priority, so let’s all stay informed and ensure the safety of our students and community during this school season.

At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most, the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.