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Verne Hart Insurance Blog: home

View the latest blog posts from Verne Hart Insurance.

When the colder temperatures start to set in, many homeowners will turn to their fireplace, wood or pellet stoves as an additional heat source. While fireplaces can provide warmth and comfort, if you are not careful, they can also be a hazard. Keep in mind the following precautions to help ensure a safe winter season. READ MORE >>

Imagine this situation. About five years ago, you bought a new flat screen TV for over $1,000. Then after a thunderstorm rolls through, it won’t turn on. It’s destroyed. So, you file a claim with your insurance company, but you’re left confused when your settlement check is less than $1,000. READ MORE >>

A Christmas tree is a non-negotiable tradition for many families during the holidays. But even those who look forward to those twinkling lights and strings of popcorn may have a small child or mischievous cat that makes having a tree difficult and sometimes even dangerous.   READ MORE >>

   From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and certification company UL (Underwriters Laboratories). READ MORE >>

We understand that home repairs can be costly and unexpected. That’s why we offer the Equipment Breakdown Endorsement for select Homeowners policyholders. While homeowner’s insurance and extended warranties do offer a sense of security and protection, they are primarily for damage due to catastrophic events. READ MORE >>

There’s nothing like carving a pumpkin to get into the Halloween mood. But if you don’t do it safely, you might spend time in an emergency room instead of out trick-or-treating with the rest of the witches, ghosts, and goblins. READ MORE >>

Knowing that today’s homes burn faster than ever, the National Fire Protection Association (NFPA) announced “Every Second Counts: Plan Two Ways Out” as the official theme for this year’s Fire Prevention Week campaign, October 8-14, 2017. 2 minutes to escape  READ MORE >>

If you feel like you’re paying more for homeowners insurance than you used to, you might be right. Over the past 20 years, these rates have increased over 50% - and U.S. homeowners pay an average of $952 annually, according to ValuePenguin, which provides consumers with research and guidance on financial topics. READ MORE >>

Four-year-olds, they do the darndest things, such as stuffing tissue down the sink in the guest bathroom (true story). And, if it’s not something happening inside your home, it’s something happening outside, such as water in your back yard pooling up to your back door, because your neighbor doesn’t have a proper drainage system (also true). READ MORE >>

  As a busy homeowner, it is easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects should be in the “long-term maintenance” category. READ MORE >>

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