Mary Crane's Blog
25 Centre St, Dover, MA 02030
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You are required to get homeowners insurance when you purchase a home. You probably are so excited about buying a home that you neglect to learn the ins and outs of your policy. Unfortunately, there are many things that insurance won’t cover, yet many homeowners think that they are covered under their home insurance policy. Below, you’ll find some things that are often not covered by your home insurance, even though you might think they are.
While your home insurance will cover damage from water in your home (different than flood insurance), the policy probably won’t cover what it takes to fix broken pipes. Your best bet in this area is prevention. You should be sure that your pipes are insulated properly and that there is adequate airflow around the pipes in your cabinets.
If an earthquake hits, you’re out of luck when it comes to your homeowners insurance policy. You typically need a separate policy to get earthquake coverage. If you live in an area prone to earthquakes, you’ll need to inquire about specific policies to protect your home from this type of natural disaster.
You’ll also need a separate policy in the event of a flood. Homeowner’s policies do not cover damage or losses caused by flooding. You can get optional coverage and this is highly recommended, especially if you live near a body of water or in an area that’s prone to flooding.
A Sewer Backup
If a sewer backs up, you’ll face some serious damage in your home. Unfortunately, your homeowners policy will not cover this type of damage. The repairs can be hefty. If you wish, you can always add this type of coverage to your policy.
Only Portions Of Disasters May Be Covered
If a hurricane hits, any damage that has been caused by the wind will be covered by your home insurance policy. If you face flooding, however, and do not have a flood insurance policy, you’ll be out of luck. Without extra coverage, some natural disasters can be a special disaster for you and your wallet.
Keep Up The Maintenance On Your Home
It’s important to understand what is and isn’t covered by your home insurance policy. When you know how to prepare for different situations, it will make caring for and maintaining your home and your financial future a lot easier. If you prepare accordingly for natural disasters as directed, and perform proper maintenance on your home, your insurance policy should act in the best interest for you. If you happen to live in an area where you are prone to natural disasters, make sure you get the appropriate additional coverage that you’ll need to protect you.
It’s easy to feel alienated when you move to a new city or town in today’s world. Traditionally, being friendly with neighbors was much more valued in decades past than it is now. And, with the help of things like Facebook and Skype, it’s easier to stay in touch with your old friends from your previous town than it is to make new ones in your new town.
There is, however, much to be said about becoming involved in your local community. You’ll meet new people, discover new places to explore, and can make new friends in the process.
So, how can you go about involving yourself in your new town? Read on for our advice.
Say “hi” to the neighbors
Meeting the neighbors can be beneficial in a number of ways. They’ll be able to give you the lowdown on your neighborhood, including any issues you might want to be made aware of.
They’ll also be able to tell you if they notice anything strange or concerning around your house when you’re at work. And, if you go away on vacation, a good neighbor might volunteer to take in your mail for you or water your plants.
Find local events
There are a number of ways to find out what’s happening in your new town and get involved with them. Some places we recommend that you check frequently are:
Local newspapers and magazines
Library and town hall bulletin boards
Facebook groups for your town
Craigslist community boards
You could also check out some local businesses, including cafes and restaurants, to introduce yourself to some of the people who likely live and work in your town.
Learn a new skill
One of the best ways to become involved in your new community is to find out what classes are offered nearby and to join one that you’re interested in. If fitness and wellness are one of your priorities you could consider joining a yoga or fitness class.
If you’re more into crafting, see what classes are available at the local library. And, while you’re there, ask the librarians for recommendations for local places to visit, whether it be museums or specialty stores.
Volunteer your time or skills
If you’d like to give back to your community a great way to do so is to volunteer for a local cause. Many cities and towns have neighborhood or park cleanups. Others have food pantries and assistance for the elderly.
If you have a skill that you think could be useful, such as carpentry or graphic design, find out if any local groups could use your skill.
Go to town meetings
If you want to quickly learn some of the ongoing issues and conversations in your town the weekly or monthly town meetings are a great way to familiarize yourself. Most towns and cities post their meeting schedule online and even offer recordings of past meetings if you want to get a feel for what the meetings are like before attending.
Other places that meetings are held that could be of interest are the local library, churches or spiritual centers, and parks or the town common.