Your home insurance agent documents and analyzes claims to help identify what seasonal hazards may be causing them. This will lead to understanding how to avoid them. It is up to you to keep your property safe and lower your risk of property liability. You are responsible for handling hazardous conditions and the risks that […] Read More

Posted by Tim Sine in: Homeowners Insurance

There are common misconceptions and myths associated with homeownership. You can find opposing viewpoints with many different aspects, making it difficult to clarify what is true and what isn’t. Shedding light on the confusion may help determine what is fact and what is fiction. Homeownership is often a great long-term investment. You may find it […] Read More

Posted by Tim Sine in: Homeowners Insurance

Your home should feel like your safe haven. However it is crucial to keep in mind that fatal home accidents are far more common than people think. Most people are not even aware of how to prevent the most common household accidents. Luckily, there are simple ways you can help avoid accidents at home and […] Read More

Posted by Tim Sine in: Homeowners Insurance

Most homeowners assume the value of their home will continue to rise, however that may be overly optimistic. Some factors that determine what a house is worth, such as location and the popularity of that market, are not in the owner’s control. If you believe your house is your biggest asset, taking care of it […] Read More

Posted by Tim Sine in: Homeowners Insurance

Tagged: Boosting home value curb appeal Home Insurance smart home

It is time to open the windows and enjoy the fresh air of spring. Have you already done your spring cleaning? There is more to spring home maintenance than deep cleaning and organizing. Here is a checklist to help you prepare for the change in seasons. Examine the Roof Are you comfortable on a ladder? […] Read More

Posted by Tim Sine in: Homeowners Insurance

Tagged: Home Insurance home maintenance Homeowners Insurance Spring spring cleaning Spring Cleaning Checklist

Indoor allergens can easily trigger symptoms for many seasonal allergy sufferers. Allergens are carried through the air and can be found on just about any surface around the house. It is impossible to keep a home 100% allergen-free, but there are certain things you can do to help reduce the number of allergens you’re exposed […] Read More

Posted by Tim Sine in: Homeowners Insurance

Tagged: Allergen Allergen Removal Allergens in your home Spring Allergens

If someone becomes injured at your home due to any kind of unintentional mishap, the liability provision of your homeowners’ insurance policy generally will cover any personal injury claim. Even if your guest files a personal injury lawsuit against you, you’re still entitled to protection under your policy. Here is what to do if there […] Read More

Posted by Tim Sine in: Homeowners Insurance

Tagged: Home Insurance Home Insurance Coverage Homeowner Liability Injured Guest Injury Liability

In the frigid winter months, whether you’ll have to deal with frozen pipes is not a question of “if” but “when”. If you’ve found that your pipes have frozen over, thawing them out safely is crucial to ensure that you do not cause further damage to your pipes or even your home. How you thaw […] Read More

Posted by Tim Sine in: blog Homeowners Insurance

Tagged: Frozen Pipes home insurance MO Homeowners Insurance homeowners insurance MO Winter Home Safety

When the winter chill sets in, most homeowners utilize a variety of heating sources, such as space heaters, wood-burning fires, or create a cozy ambiance of candles. But safety should be top of mind when these are used since they pose a risk as potential fire hazards. Keep your family and home safe this winter […] Read More

Posted by Tim Sine in: blog Homeowners Insurance

Tagged: Heater Safety home insurance MO Homeowners Insurance homeowners insurance MO Personal Insurance Sine Insurance Winter Home Safety

Chilly weather is among us. As you plan ahead for winter, give some thought to your windows, as they may be weak spots in the integrity of your home, especially if you have single-pane windows. While the most important consideration may be whether or not to make a big investment in window upgrades, there are […] Read More

Posted by Tim Sine in: blog Homeowners Insurance

Tagged: Homeowners Insurance Window Prep Winter Winter Home Preparation Winter Home Safety Winter Windows