Do You Need Insurance Riders?

Securing the right home insurance coverage is crucial when buying a home. Every homeowner in Buena Vista, VA, must have a certain level of home insurance coverage to secure a mortgage. Have you considered the riders you may need? An insurance rider is an add-on to an insurance policy that extends coverage beyond what is covered in the original policy. Depending on your needs, there are some riders you should consider. We recommend these three riders for your home insurance policy at Stonewall Grace Insurance.

1. Sewer Backup

The last thing you want is for your basement to be filled with dirty water and sewage due to a water or sewer backup. Adding this rider to your insurance coverage ensures you are covered if this happens. You could face significant cleanup fees in addition to the costly repairs from the incident. Adding this to your home insurance is well worth the cost.

2. Guaranteed Replacement Cost

You don’t want to discover that your house is underinsured if it needs to be rebuilt after a disaster. Guaranteed Replacement Cost ensures you are not financially responsible if your home doesn’t have enough coverage when it’s time to rebuild. This is similar to gap insurance for your car.

3. Personal Property Coverage

Many of your personal items will be covered if they are damaged or stolen from your home. However, some extremely valuable items may not be covered. This includes items like valuable family heirlooms, jewelry, musical instruments, or any high-value items stored in your home. Consider getting scheduled personal property coverage if you are concerned that some of your most valuable items are not adequately covered.

At Stonewall Grace Insurance, we have provided Buena Vista, VA residents with top home insurance services for years. If you are interested in how we can help you, call us today.

Mold can be a real headache for homeowners, but you can keep it at bay with some proactive steps. We understand the importance of maintaining a mold-free environment at Stonewall Grace Insurance in Buena Vista, VA. Here’s how you can reduce the risk in your home.

Identifying Problem Areas

First, recognize where mold is likely to grow. Due to moisture, bathrooms, basements, and kitchens are common spots for mold. Regularly check these areas for signs of dampness or leaks and address any issues promptly to prevent mold growth.

Improving Air Circulation

Keeping the air moving is essential to controlling moisture. Use exhaust fans in moisture-prone areas, and consider opening windows when the weather permits. A dehumidifier can also be an excellent investment for particularly humid spaces. Ensure your home’s ventilation system functions correctly, and clean any vents regularly.

Maintaining Dry Surfaces

Water is mold’s best friend, so it’s crucial to dry any wet surfaces quickly. Whether it’s a spill or condensation, ensure it’s cleaned up within a day or two. Pay special attention to areas frequently exposed to water, like bathrooms and under sinks. Regularly inspect appliances such as washing machines and dishwashers for leaks.

Performing Routine Home Care

Stay on top of home maintenance tasks. Clean out gutters to prevent water accumulation and check your roof for leaks. Regular inspections and repairs can prevent minor issues from becoming serious mold problems. Ensure your home’s foundation is adequately sealed to keep moisture out.

Following these tips, you’re taking important steps to protect your home from mold. Contact Stonewall Grace Insurance in Buena Vista, VA for more advice tailored to your situation. We’re committed to helping you keep your home safe and sound.