Maintenance Tips for Your House This Summer

You need to perform certain tasks before the cold seasons and also before the hot seasons. These chores help keep your home safe and the people who visit it safe. At B & G Insurance, serving Miami, FL and the surrounding area, we can provide you with advice that can prevent a lawsuit, while it can also keep you and your family safe and comfortable.

Air Conditioner

You want your air conditioner functioning before the hot months begin, so you stay content indoors. However, maintaining your air conditioner may optimize the function of your cooling system, too. Additionally, servicing your unit has the possibility to prevent a fire.

Check Your Attic

Although it’s hot in the attic, you should check your attic for any dampness. You also want to check for mildew and leaks. It’s important to evaluate your attic for holes and pests as well. 

Examine Your Deck

Take a look at your deck before you start entertaining company during the warmer months. You want to evaluate each board for rotting. While you’re doing this, you should also check for any loose ones and hammer them in. This is an ideal time to reseal your deck to protect it against water. You may want to perform a water test, which is when you pour a small amount of water on your deck. Notice the results. If the water forms beads, your sealant is still intact. However, if it soaks into the wood, you need to apply it again. 

Update Your Homeowners Insurance 

Before the summer months, you need to update your homeowner’s policy. Make sure you have enough coverage and that it covers pools if you have one. 

Discover more about homeowner’s insurance policies and how to maintain your home for optimum safety by visiting B & G Insurance, serving Miami, FL, and the nearby region, by visiting our website. 


When Home Insurance is Required to Have

Buying a home is an important step in life. When you are looking to purchase a home, it is essential to find the home that is going to be suitable for you for many years to come. However, you also need to make sure that you are diligent about your purchase. For those that are in the Miami, FL area, this means having a quality home insurance policy in place. While it is always recommended, there are several situations in which having home insurance is also a requirement.

Part of an Association

When you were looking to purchase a home that is located in a community with an association, you almost always are required to carry home insurance. These communities are most concerned with whether or not you have liability insurance in place. The association will likely require that you provide annual proof of insurance and not having it could be a violation.

A Mortgage is in Place

If you are like the vast majority of home buyers, you likely have a mortgage in place. Mortgage lenders are always concerned with whether or not a borrower has home insurance. Because of this, you likely will have to have your payment escrowed on an annual basis. This will ensure that you comply with the lender’s requirements while also making sure that your home is adequately covered by home insurance. 

When you are looking for insurance for your Miami, FL home, reaching out to B & G Insurance could be a great option. When you meet with the team at B & G Insurance, we will discuss some of the options available for you to choose from with a home insurance policy. This will help to ensure that you are appropriately educated on the topics and are able to select the right coverage for your home. Reach out to our offices for more information.