Archives for December 2014

Common Factors That Can Increase Your Homeowners Insurance Premiums

These May Cause Your Homeowners Insurance Premiums To Rise

Common-Bathroom-Remodeling-Tools-You-May-NeedHomeowners insurance is a necessary expense to make sure that your home and assets are protected from any number of perils. While keeping your homeowners insurance premiums as low as possible can help to save money, there are some factors that you cannot control. Some of the most common signs that your homeowner’s insurance premiums may increase include:

  • A large wind or hailstorm in the past 2 years – if your area experienced a large storm, it may be a sign that another storm is not far away. Insurance companies may increase the premiums a couple of years after an initial storm when they analyze the amount of claims that were made.
  • Changes in exposures – along with harsh weather, home insurance premiums may rise if there is an increase in many different exposures in your area, including an increase of claim activity or an increase in crime rate.
  • Poor home maintenance – if you do not take care of your home, there is more of a chance that you will have to make a claim. If an insurance adjuster looks at your home and decides that it may be dangerous, you may see a hike in your rates.
  • Internal changes within the company – any number of internal changes within your insurance company can cause your home insurance rates to rise. If your company is going through changes, you will most likely receive a notice explaining how the changes may affect you, including higher insurance premiums.

For all of your homeowners insurance coverage needs, contact the insurance experts at Alliance Group in Fairport, New York. As an independent insurance company, we will work with you to ensure that you have the right amount of coverage for any unfortunate situation, all at the right price to fit your budget.

Protect Your Home With These Tips

Protect Your Home While on Vacation With These Simple Tips

House locked in chain and padlockIf you are packing your bags for a holiday vacation, it is important to make sure to consider the safety of your home while you are gone. Taking a few simple steps before you head out the door is the best way to ensure that your home and assets stay safe. Keep these tips in mind to ensure your home stays safe while you are enjoying your vacation.

  • Avoid being an easy target – burglars know that many people go on vacation during the holiday season, and they are on the lookout for empty houses. Install a timer on a few lights in your house so that your home does not stay dark while you are away. Have a trusted neighbor pick up your mail so that your mailbox is not overflowing. If you can, try to keep a car parked in your driveway while you are away.
  • Prevent flood and fire risks in your home – turn off your water at the main shutoff point before you leave. A small leak can turn into a serious problem while you are gone. Unplug any non-essential electronics, including your toaster and TV. A power surge cannot only damage your electronics, but it can also start a fire in your house.
  • Do not broadcast your vacation – even though you may be excited about going on vacation, do not post about it online. Burglars look at social media to find empty houses to target. If you let them know you will be gone, they will know just how long they have to get into your home.

For all of your homeowners insurance coverage needs this holiday season and to ensure your home and assets stay safe while you are away, contact Alliance Group in Fairport, New York. We will work with you to make sure that you have the right amount of coverage, all at the right price.

Fire Safety Tips for the Holidays

Prevent a Fire in Your Home With These Tips

Christmas gift box and gingerbread cookies on wooden backgroundThe cold, winter weather is here! While you are bundling up in your favorite holiday sweater and warming your hands on a cup of hot cocoa, it is important to make sure that your holiday is not ruined by a fire at your home. Keep these fire safety tips in mind to ensure that your home and family stay safe throughout the season!

  • Check all of the smoke alarms throughout your home to ensure that they are working properly. Replace any alarms that are broken or outdated. Smoke alarms should be installed on every level of your home and outside of every bedroom to provide the right amount of protection.
  • Inspect every electrical decoration before you put it up. Throw away any decorations that have frayed or ruined ends. Also, make sure to check any extension cords before plugging them in.
  • Do not overload your outlets with decorations. Overloaded outlets can overheat and easily start an electrical fire in your home.
  • If you are purchasing a Christmas tree, make sure it is fresh. Keep the tree stand full of water to prevent the tree from getting dry.
  • Use battery-operated candles throughout your home to make it festive instead of real candles. If you do use real candles, make sure to keep them away from any flammable material, including furniture and curtains.
  • Unplug all decorations and lights before you go to bed at the end of the night to ensure they do not spark and cause a fire while you are in bed.
  • Keep all space heaters at least three feet away from any flammable material, including clothing, bedding, and curtains.

Having the right homeowners insurance is the best way to ensure that your home and family stay safe this holiday season. Contact Alliance Group in Fairport, New York for all of your homeowners’ insurance coverage needs.

Safe Winter Driving Tips

Stay Safe This Winter With These Tips

Winter drivingThe cold winter weather is officially here, which can mean dangerous driving conditions. Knowing how to stay safe behind the wheel can help to ensure that you are not involved in an accident. Keep these tips in mind to ensure that you stay safe behind the wheel this winter.

  • Make sure your car is properly maintained. Before the heavy snowfall sets in, get your car inspected. Ensure that everything is working correctly by getting the battery, windshield wipers, tire treads, and fluid levels checked out.
  • Put an emergency kit in your car. While you can do all you can to prepare, there is no way to avoid every peril. Make sure that your emergency kit includes jumper cables, a flashlight, ice scraper, flares, and blankets. If you are heading out on a long trip, make sure that you have extra water and food in your car in case you get stuck.
  • Check the weather report. Before you head out on a long trip, check the weather report. If there are severe weather conditions in the forecast, postpone your trip. Also, make sure to let others know what route you are planning on taking in case you get stuck.
  • Stay in your car if you get stuck. Your car will provide the most protection from elements if you get stuck. Stay in your car and turn on your dome light so that you will be more visible to rescuers. Clear any snow or ice from your exhaust pipe so that dangerous carbon monoxide does not back up into your vehicle.

Having the right auto insurance policy is the best way to ensure that you stay safe in case of any unfortunate incident this winter. Contact the insurance professionals at Alliance Group in Fairport, New York for all of your auto insurance coverage needs.