Category: Home Insurance

Not every home in and around Huntsville is on a town sewer system. If you aren’t, you may be delighted to have your septic system, as it gives you more control, and you don’t have the bills associated with town sewer. The downside is when something goes sideways with the septic, and a lot can go wrong, believe us. From tree roots cracking the pipes to overflows that wreck your lawn (think "Meet the Parents" movie), you may hope that your home insurance covers the septic. Does it?

When Home Insurance Covers Septic Damage

Standard home insurance policies, like the ones available through Larry Burkman Agency in Huntsville, AL, may cover septic system damage in certain situations. If a covered event occurs, such as fire, vandalism, or something else, the insurance company might be responsible for paying for repairs or replacement.

What Home Insurance Doesn’t Cover

Home insurance generally doesn’t cover damage caused by wear and tear, lack of maintenance, or gradual deterioration. If the septic system fails due to age, rust, or tree root infiltration, homeowners will likely have to pay for repairs out of pocket, which won’t be cheap.

Additional Coverage Options

Some insurance companies offer optional riders or endorsements that can provide extra protection. You should look into these. One common add-on is sewer backup coverage, which may help cover the cost of cleaning up if the septic system overflows into the home.

Understanding what is and isn’t covered under a home insurance policy is essential for homeowners who rely on a septic system. Reviewing the policy details and speaking with an insurance representative at Larry Burkman Agency serving Huntsville, AL can help ensure the right coverage is in place to avoid unexpected repair costs.

Understanding Home Insurance: What Does It Cover?

At Larry Burkman Agency of Huntsville, AL, we understand that the intricacies of home insurance can easily be forgotten over time. Many homeowners secure policies primarily because it’s required by their lenders, thus not paying adequate attention to the specifics. This can lead to misunderstandings about their coverage.

For instance, a common query we encounter is about the coverage of personal property and home contents under homeowners’ insurance. Let’s discuss this aspect and its implications.

Does Homeowner’s Insurance Cover Personal Belongings and Contents of Your Home?

Most standard homeowners’ insurance policies include provisions for coverage of contents and personal belongings. This coverage typically extends up to a certain percentage of the insured amount for the structure of your home. However, it’s worth noting that if you possess an extensive collection of high-value assets, standard coverage might not suffice.

If you own expensive items like antiques, jewelry, coins, or other such prized possessions, you may want to consider securing additional coverage for comprehensive protection. Also, keeping a detailed inventory of your belongings, supported by photographs or videos, can facilitate smoother claims processes in case of significant losses.

Get to Know Your Homeowner’s Insurance Policy

If you need clarity on your homeowner’s insurance policy’s limits and provisions, reach out to us at Larry Burkman Agency of Huntsville, AL. We’re more than ready to review your existing policy, irrespective of your insurer, and evaluate your coverage. Having a clear idea about your coverage can offer you considerable peace of mind and may even highlight areas of protection that need bolstering. We’re here to assist you in securing the best possible coverage for your home – contact us today for a no-obligation quote.

Understanding Home Insurance: What Does It Cover?

At Larry Burkman Agency of Huntsville, AL, we understand that the intricacies of home insurance can easily be forgotten over time. Many homeowners secure policies primarily because it’s required by their lenders, thus not paying adequate attention to the specifics. This can lead to misunderstandings about their coverage.

For instance, a common query we encounter is about the coverage of personal property and home contents under homeowners’ insurance. Let’s discuss this aspect and its implications.

Does Homeowner’s Insurance Cover Personal Belongings and Contents of Your Home?

Most standard homeowners’ insurance policies include provisions for coverage of contents and personal belongings. This coverage typically extends up to a certain percentage of the insured amount for the structure of your home. However, it’s worth noting that if you possess an extensive collection of high-value assets, standard coverage might not suffice.

If you own expensive items like antiques, jewelry, coins, or other such prized possessions, you may want to consider securing additional coverage for comprehensive protection. Also, keeping a detailed inventory of your belongings, supported by photographs or videos, can facilitate smoother claims processes in case of significant losses.

Get to Know Your Homeowner’s Insurance Policy

If you need clarity on your homeowner’s insurance policy’s limits and provisions, reach out to us at Larry Burkman Agency of Huntsville, AL. We’re more than ready to review your existing policy, irrespective of your insurer, and evaluate your coverage. Having a clear idea about your coverage can offer you considerable peace of mind and may even highlight areas of protection that need bolstering. We’re here to assist you in securing the best possible coverage for your home – contact us today for a no-obligation quote.

The Larry Burkman Agency, serving Huntsville, AL, and surrounding communities, advises every small business owner, every customer with a net worth of over $1 million dollars, and every customer who thinks they may come into money to consider an umbrella policy for all their personal liability protection needs.

An umbrella policy is supplemental insurance that pays out claims when other policies do not.

Why do higher-net-worth Alabama homeowners need umbrella coverage in addition to their homeowner’s policies, even with riders for high liability limits?

Here are some examples:

• A Mobile, AL woman was awarded $1.7 million for injuries she sustained when she slipped and fell on laundry detergent. This judgment included $420,000 for her medical bills.
• A Lauderdale, AL delivery driver was awarded $925,000 for injuries sustained from slipping on the floor during a delivery.
• An Alabama personal injury firm advertises that it has secured personal injury judgments of $500,000 to $3.2 million for over 30 clients—each of whom collected that money from someone like you. Or maybe they didn’t collect because the judgment drove the defendant to bankruptcy.

If your family lives in a fine home you own outright, you need umbrella insurance. If you rent a nice house and have substantial savings and investments, you need umbrella insurance. If you own a dog, keep exotic animals, your teen has a problematic driving record, or you enjoy shooting sports, you may need umbrella insurance.

Umbrella policies protect you against the worst-case scenario, in which your auto and homeowner policies are exhausted.

Don’t let a court judgment for a mishap on your property wipe out decades of accumulated wealth. Ask your agent at the Larry Burkman Agency, serving Huntsville, AL, and the surrounding area, about the proper umbrella coverage for you.

Home insurance is one form of insurance we offer here at the Larry Burkman Agency for those in the Huntsville, AL, area. Home insurance is a no-brainer for homeowners, providing them with the coverage they need in case they face a situation where their home and contents are damaged, and they need financial support to pick up the pieces and move forward. But while most homeowners are focused solely on having coverage in the event of an accident or purposeful damage caused by another, there’s an important question that some will raise when they’re thinking about all of the possibilities: does home insurance cover injuries that may take place on someone’s property? 

Does Home Insurance Cover Personal Liability?

Whether you’re worried about a service worker getting accidentally injured on your property or in your home, or you’re a landlord who wants to ensure they’re protected in case something happens to their tenants, it’s important to know if your insurance policy will keep you protected. The good news? Home insurance does offer coverage for personal injury claims. This means that should you be on the other end of a lawsuit filed by someone injured due to something on your property being neglected, you will have the financial protection you need to navigate the situation confidently. 

Start Here With the Larry Burkman Agency

Being without home insurance is something you never want to do, but finding the right policy can be difficult. Start your journey here with the Larry Burkman Agency if you live in Huntsville, AL, or surrounding areas. Get a quote, compare policies, or contact us if you need help navigating the process. If you have questions about home insurance, we’re here to help, too!

If you’ve recently experienced an incident with your Huntsville, AL home that requires you to file a claim with your homeowner’s insurance, and it’s your first time filing one, you might have no idea what to expect. There is no reason to become stressed, as the process is relatively straightforward.

Here is a brief overview of how the process should go:

Gather All Supporting Documents

Before filing your claim, be sure to obtain copies of important supporting documents, such as a police report, if applicable, and clear photos of any damage. The better prepared you are when you file your claim, the easier it will be for your claim to be processed. 

File Your Claim 

Once you’ve gathered all the appropriate pictures as well as the police report, if applicable, you can contact your insurance company and file the claim. This can be done by phone, in person, or even online, depending on your insurance company. You can choose the method that is most convenient for you. 

Wait for a Determination

Once you’ve submitted your claim, you’ll have to wait for the determination. This could take a few weeks, or even a few months, if not longer. If the process is taking longer than expected, you can always contact your insurance company for an update. 

As you can see, the process of filing a homeowners’ insurance claim isn’t difficult and shouldn’t cause you stress. Simply follow these easy steps, and you should receive a determination in no time, hopefully in your favor. If you’ve decided that you’d like to find a new insurance company, you should consider giving us at Larry Burkman Agency a try. We at Larry Burkman Agency provide coverage for Huntsville, AL, and we go above and beyond to ensure each and every customer has an overall positive experience.