Home Insurance - Blog | Mitten Heritage Fraternal Society of Insurance

How Familiar Are You With Your Home Insurance Policy?

Posted on August 30, 2024August 28, 2024 by admin

Homeowners across Olathe, KS, and other parts of the state might be encountering an unfamiliar term with increasing frequency. At the Mitten Heritage Fraternal Society of Insurance, we’ve seen a recent increase in calls inquiring about "Force Place" insurance. Callers typically learn about it from their lenders following the lapse of home insurance policies. So, what does this term signify, and what measures should be taken to dodge it? Here’s everything you should identify about forced-place insurance.

What is Forced-Place Insurance?

If you hold a mortgage on your home, your lender will likely necessitate you to maintain homeowners insurance. Nonetheless, the lender will be informed if you fail to uphold payments on this homeowner’s insurance or cancel it. At this juncture, they will probably force-place home insurance on the property. Essentially, this infers that the lender will ensure insurance while you must accommodate responsibility for its payment.

The Problem with Forced-Place Insurance

You should undertake every conceivable precaution to evade having forced-place insurance on your home.

It is EXTREMELY costly.
It benefits the lender, not the homeowner.
It only covers the mortgage balance.
Doesn’t factor in your equity.
If you miss payments, it could result in foreclosure.

The bottom line is that you must maintain your insurance if you hold a mortgage. You are much better off upholding your personal insurance policy than allowing your lender to force-place insurance on your home.

Get a Home Insurance Quote Today

If you’re feeling the pinch of surging homeowner’s insurance rates in Olathe, KS, we might be able to assist. Contact the Mitten Heritage Fraternal Society of Insurance for a quote today. You might hold options. Give us the chance to assist you.

Three Types Of Siding Upgrades You Can Make for Your Home

Posted on April 30, 2024May 1, 2024 by admin

Many homeowners in the Berville, MI area, and surrounding communities often look for the best ways to improve and upgrade their homes. Below are three types of siding upgrades you can enjoy at home and get a higher property value.

1. LP SmartSide

One of the newer siding options, LP Smartside, is a siding that is highly durable and easy to customize if you like to change up the look of your home pretty often. This is an engineered hardwood that is treated and meant to manage different weather exposures. It has a lifespan of up to 50 years as long as you maintain it regularly and use the right paint when changing the color. It is more expensive, but it’s an investment that will make your home look great and protect it from the elements.

2. Hardie Board

The love for the Hardie board has grown substantially in the last decade. It is one of the most durable options and gives your home a modern look and appeal you’re finding in custom home builds and even in some suburban communities. It has some cement in the siding, and if you want to have the boards painted, the manufacturer does this in-house.

3. Metal Siding

Another trend taking off is the addition of metal siding to homes because of their durability and low maintenance. They are also more affordable than some of the other options out there and help make the home more sustainable. You can easily upgrade as long as you’re happy with this more modern look in your home.

If you’re looking for a personal quote for home insurance in the Berville, MI, area, contact Mitten Heritage Fraternal Society of Insurance today.

We LOVE Berville, Michigan!

Posted on February 12, 2024February 12, 2024 by BossFetty

During a month dedicated to celebrating love, it’s crucial not to overlook the residents of our picturesque community! Our roots are significant to us, and each cheerful face, local business, and town landmark holds a unique and cherished place in our hearts. Here are just a few aspects that contribute to making Berville exceptionally special:

Berville used to be known as Baker’s Corners, which got its name specifically to feature the first three letters of the township name.
Berville is in St. Clair County which is known as the Blue Water Area for its deep blue water that resembles the ocean.
The small-town landmark is an old church that is still standing on the corner of Church Rd. and S. Church Street.

In every corner of our community, we aim to act as partners, helpers, and friends. Our neighbors and citizens hold immense significance, and it is a great honor to be part of Berville. We are excited about the opportunity to forge a connection with you and become the trusted insurance provider for our hometown. Reach out to Mitten Heritage Fraternal Society of Insurance at 844-843-6488 or visit www.MittenHeritage.com for your complimentary insurance quote, and you’ll experience the warmth of our service – you’ll feel the sense of connection and care.

Emergency Preparedness Winter Car Kit

Posted on January 10, 2024January 10, 2024 by BossFetty

Having the proper items in your car during the winter can be the difference between life and death during a critical situation. The items listed below can help provide comfort and save your life. Along with the following items, you’ll want to be sure you have a fully charged phone before hitting the road. This can also save your life should an emergency arise.

The Basic Supplies:

These are the essentials. Remember that along with these basic supplies, you’ll need an adequate amount of gas. It’s important to check that your antifreeze is at the proper level as well.

Blankets – Even having one extra blanket can provide much-needed warmth and protection.
Extra clothes such as mittens, socks, hats, and jackets
Flashlight with extra batteries
Jumper cables
Bottled water
A proper first aid kit with all the supplies that come in it. If you use something in your kit, replace it as soon as you get a chance.
Windshield cleaner
A simple multi-tool such as a Swiss Army Knife or a Leatherman Tool
Road flares or warning triangles

Extra Supplies:

If your area experiences extreme winter weather, it’s a good idea to keep these extra supplies on hand as well.

Non-clumping cat litter for gaining traction in the snow
A folding shovel
Sleeping bag
Small fire extinguisher (Class B or C for your car)
Tire changing essentials such as a jack and lug wrench
Paper maps
Compass
Snacks such as canned nuts or granola bars
Ice scraper
Tow strap or chain
Matches or lighter

You can pick from the many options on the market for emergency car kits, or you can take the above listed items and make your own based on your needs. Always remember to check these items and make sure they are still in working order every month. If something needs to be changed out, do so immediately, as you never know when you may need your emergency kit.

Preventing Home Insurance Claims: A Proactive Approach

Posted on December 21, 2023December 31, 2023 by admin

Protecting your home in the greater Berville, MI region goes beyond just having insurance coverage. Advocating for a proactive approach to prevent home insurance claims, consider these strategies from the Mitten Heritage Fraternal Society of Insurance to save you both time and money.

Routine Home Maintenance Matters

Regular home maintenance isn’t just about curb appeal; it’s a key factor in preventing potential claims. Stay on top of maintenance tasks, from roof inspections to plumbing checks. Addressing issues promptly reduces the risk of larger, more costly claims down the road.

Security Measures for Peace of Mind

Enhancing your home’s security is a proactive way to deter potential risks. Install security systems, robust locks, and motion-sensor lighting to make your home less attractive to burglars. Explore these preventive measures, which not only safeguard your property but may also lead to lower insurance premiums.

Fire Safety Precautions

Fires are a significant risk for homeowners. Ensure your home is equipped with smoke detectors and fire extinguishers, and practice fire safety. Emphasizing the importance of fire prevention, protect your loved ones and minimize the likelihood of extensive insurance claims.

Weather-Related Preparedness

Living in Michigan means being prepared for various weather conditions. Proactive measures such as maintaining trees, cleaning gutters, and reinforcing windows can mitigate the risk of weather-related damage. Be vigilant and take necessary precautions throughout the changing seasons.

Ready to take a proactive stance in safeguarding your home?

Contact us at Mitten Heritage Fraternal Society of Insurance today to learn more about preventive strategies and comprehensive home insurance coverage in Berville, MI. Reach out for personalized advice and explore how a proactive approach can contribute to a safer, more secure home. Your peace of mind starts here.

Home Maintenance Tips: A Winter Guide for Homeowners

Posted on December 7, 2023December 7, 2023 by BossFetty

Owning a home is a significant investment, and part of responsible homeownership is maintaining your property year-round. In this comprehensive guide, we’ll provide homeowners with a seasonal breakdown of essential home maintenance tasks. These tasks not only protect your investment but also help ensure your insurance coverage remains effective.

Roof Inspection:

Check your roof for any signs of damage, including loose or missing shingles. Ensure there are no leaks or areas of weakness that could be vulnerable to winter weather.

Gutter Maintenance:

Keep your gutters clean and free of debris to prevent ice dams and water damage. Make sure downspouts are directing water away from your foundation.

Insulate Pipes:

Insulate exposed pipes in unheated areas of your home, such as the attic or basement, to prevent freezing and potential burst pipes.

Heating System Check:

Schedule a professional inspection of your heating system to ensure it’s running efficiently and safely throughout the winter.

Seal Gaps and Cracks:

Seal any gaps or cracks in your home’s exterior to prevent drafts and keep your heating costs down.

Fireplace and Chimney Maintenance:

If you have a fireplace, have it cleaned and inspected. Ensure the chimney is clear of debris and functioning correctly to prevent fire hazards.

Winterize Outdoor Equipment:

Store outdoor equipment properly and winterize items like lawnmowers and garden hoses to prevent damage.

By following this seasonal guide, homeowners can proactively protect their investment and maintain their insurance coverage effectiveness, especially during the winter months when homes are susceptible to specific weather-related risks.

Chimney Safety Tips

Posted on September 8, 2023September 19, 2023 by admin

Leaning towards an old wood-burning fireplaces to help cut your heating bill this winter? Before you spark a log you should know, fireplaces and chimneys are involved in 42% of all home-heating fires. So before you use your fireplace, ensure you know how to properly use it and follow these safety tips.

Hire a chimney sweep – The National Fire Protection Association recommends that chimneys be swept at least once a year to remove soot and debris. A professional chimney sweep should also inspect for any damages.
Cap your chimney – Chimney caps will keep rain, birds, squirrels, and debris from entering your chimney. Repair or replace a missing or damaged cap.
Burn seasoned hardwood – Choose dense wood that has been split and stored in a high and dry place for at least 6 months.
Don’t overload – Small fires generate less smoke and less creosote buildup. Large, hot fires can potentially crack your chimney.
Build it right – Place logs at the rear of the fireplace on a metal grate. Use kindling instead of flammable liquids to start the fire.
Use a spark guard. Spark guards will prevent embers from shooting out of the fireplace. A guard in front of the fireplace is especially important when the room is unoccupied.

Winter is coming. It will be here before we know it. Get everything prepared for the cold months now before it’s too late! Stay warm and safe all winter long. Another good tip is to contact our agency to review your homeowners insurance policy before you strike a match.

Source: https://www.thisoldhouse.com/fireplaces/21018422/how-to-prep-your-fireplace-for-the-cold-season

When should you review your home insurance?

Posted on August 24, 2023September 11, 2023 by admin

Home insurance is something that needs to change as you and your home change. It needs to be reviewed to make sure that it is meeting your current needs. At Mitten Heritage Fraternal Society of Insurance in Berville, MI we have been providing personalized service to our customers since 2012.

When your policy is renewed

Most home insurance policies are reviewed yearly. When you get your policy, whether it is a paper copy or a digital copy, you should read the Declaration Page. This gives you all the details of your coverage. You will see the amount of property coverage you have, coverage for additional structures, content coverage, and liability coverage. Any additional coverage and discounts you are eligible for will also be listed. You should study it diligently to determine if it makes sense to you.

When you make major renovations

If you have increased the square footage of your home with an addition or by finishing your basement or attic, it can increase the value of your home. If you do bathroom and kitchen upgrades, this can also increase the value of your home. Be sure to let your insurance agent know if any of these things apply to you.

When your need for liability coverage increases

If you have added a pool to your home or gotten a trampoline for your children, your liability has increased. If you have added a dog to your home, this also increases your liability.

When you install safety equipment

If you have added a home security system to your home this can make you eligible for a discount. This also applies to other safety equipment like smoke detectors.

We Are Here To Help

Contact Mitten Heritage Fraternal Society of Insurance in Berville, MI when you need an independent insurance agency to help you with your home insurance needs.

Making sure your home is properly covered for a disaster

Posted on August 14, 2023August 14, 2023 by admin

How to avoid being underinsured

For many people, their home is their greatest asset, so it is crucial to avoid being underinsured. To properly insure your home, it is important to ask your insurance professional four key questions.

1. Do I have enough insurance to rebuild my home?

Your policy needs to cover the cost of rebuilding your home at current construction costs. Unfortunately, some homeowners simply purchase enough insurance protection to satisfy their mortgage lender. Others confuse the real estate value of their home with what it would cost to rebuild it.

2. Do I have enough insurance to replace all of my possessions?

Most homeowners insurance policies provide coverage for your personal possessions for approximately 50 percent to 70 percent of the amount of insurance you have on the structure of your home. If you have $100,000 worth of coverage on the structure of your home, you would be covered for $50,000 to $70,000 worth of the contents of your home, depending on the policy.

The best way to determine if this is enough coverage is to conduct a home inventory, which details everything you own and the estimated cost to replace these items if they are stolen or destroyed by a disaster.

3. Do I have enough coverage for additional living expenses?

Coverage for additional living expenses pays the extra costs of temporarily living away from your home if you can’t live in it due to an insured disaster such as a hurricane. It covers hotel bills, restaurant meals, transportation and other living expenses incurred while your home is inaccessible or being rebuilt.

4. Do I have enough insurance to protect my assets?

Although not a key element in disaster planning, it is also important to have adequate liability protection. This covers you against lawsuits for bodily injury or property damage that you or your family members may cause to other people. It also pays for damage caused by pets.

Your answers to these 4 questions will give you a good idea if your home is properly covered. Don’t wait until it’s too late to know if your home insurance policy will cover your home and its possessions.

Source: https://www.iii.org/article/making-sure-your-home-properly-covered-disaster

What Does Home Insurance Cover?

Posted on April 11, 2023May 3, 2023 by admin

The agents at Mitten Heritage Fraternal Society of Insurance serving the Berville, MI area want you to know that home insurance is designed to provide protection against financial losses that you could suffer if your home is damaged or destroyed along with some of its contents.

While home insurance policies vary in the coverage they provide, there are certain things that they do cover if the image is caused by a fire, burglary, natural disasters, or acts of vandalism.

What Does Home Insurance Cover?

Home insurance will cover the physical structure of your house as well as any outbuildings and attachments, such as your garage or deck.

Home insurance will also cover your personal items that are inside your home. These can include your clothing and furniture as well as your appliances, electronic devices, and other things you own. It is imperative to remember that personal property coverage does have limits, so if you have very expensive items, such as jewelry or rare artwork, you will want to add on a policy to cover those items to your regular homeowner insurance policy.

If someone trips and falls at your house and is injured, home liability coverage insurance is very important to have in place. This will help pay for that person’s medical bills and other expenses and even cover legal expenses for you if the person files a lawsuit against you.

If you have to relocate to a different home while your house is being repaired or rebuilt after it is damaged in some sort of incident, your home insurance policy can provide you with additional living expenses. This can include helping you with the rent of another place if you’re going to be displaced from your home for a lengthy amount of time or even a hotel stay, as well as meals and other expenses you may incur.

Reach Out To Us

Contact the experienced home insurance agents at Mitten Heritage Fraternal Society of Insurance serving the Berville, MI area to get your policy started today!

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Category: Home Insurance