A home inventory is one of those things that is vastly underappreciated until you actually need it. If a significant peril hits your home and you suffer severe damage, trying to put together a list of all your content will be a major stressor, especially when you don’t have the items to look at. At Stalwart Insurance in Pittsburgh, PA, we will be here with you through the good times and the bad to help you in any way we can.
A home inventory lists everything you have and any additional outbuildings. You will need a pad, pen, and your phone or camera. You need to go from room to room, open any closets, drawers, and cabinets, and write down the contents. Give as much detail as possible, write any serial or model numbers, and attach receipts or sales slips. Take pictures of the room from a few different angles.
Do this for every room, and don’t forget to go into the garage, the basement, and the attic. The more information you write down, the better. You will be glad later if you ever need to use it.
Storing your home inventory
How and where you store your home inventory is almost as important as the process of making it. It needs to be somewhere easily accessible and also safe from whatever peril your home has sustained. Keeping it in a safe deposit box is one good option. In addition, a copy should be available in the cloud so you can get to it quickly, no matter where you are.
Our independent insurance agents at Stalwart Insurance in Pittsburgh, PA are ready to offer any home insurance help. Give us a call today.
So you finally moved out of your parents’ house. You found an apartment in your budget. It’s on the second floor of a complex, but it’s private, and you’ve got a front patio with a great view if you like views of parking lots. You have got a job, and you’re paying your own way. Your parents encouraged you to get renters’ insurance, so you did. One evening, you didn’t feel like cooking and ordered pizza. You got your pizza, but immediately afterward, the delivery guy slipped on his way down the stairs. Now what?
Do First Aid
First, put down the pizza and see if the delivery guy’s OK. If he’s unconscious, call 911. Even if he’s unconscious but comes to, call 911. Ask if he’s hurt anywhere. Treat anything that’s obviously bleeding. Fractures must be handled gingerly and only treated by a professional. Don’t let him move around too much, as he may have a spine or neck injury. The 911 operator will give you full instructions based on the situation. Keep him still and breathing. You may need a pillow to keep his head in one place. If he wants to call his employer or family, assist him so he doesn’t move too much. If your landlord is on the premises, you can inform him that an ambulance is coming and why.
Assess the Situation
While the paramedics handle the delivery guy, you can assess what caused the fall. Is anything on the stairwell broken? Too icy? An item carelessly left there? Take pictures. As soon as you can, let your landlord know what happened. Contact your renters’ insurance company. Have your policy number ready, along with other useful documentation. The pizza guy will want workers’ compensation, and if the pizzeria doesn’t have commercial insurance, they’ll try to get money from somewhere else, but you’ll be ready.
Stalwart Insurance Serving Pittsburgh, PA
If you need renters insurance and are in the Pittsburgh, PA area, don’t hesitate to contact Stalwart Insurance. We’re here to help.
Today, with all the available personal electronic devices, it is easier than ever to keep your home safe while you are away. At Stalwart Insurance in Pittsburgh, PA, we offer you the home insurance you need to protect your home all the time, not just when you are away.
Home security system
It used to cost a lot to install a home security system, making it too expensive for many average people. Today, you can install a doorbell camera that you can monitor with your cell phone for a very affordable price. It is simple to install and simple to monitor. You can place one at any entrance you want. Cameras can also be installed inside your home that you can also monitor with your phone. You can have a system to call the police if someone enters your home.
Don’t talk on social media.
Don’t announce your vacation or business plans on social media. For some people, it is an invitation to break in. If you want to share vacation pictures, do so when you return.
Let someone know you will be away.
If you are friendly with your neighbors, let someone know you will be away. They don’t need to do anything, but if you are friends, they can pick up your mail and ensure everything looks as it should.
Install motion lights
Motion lights around your home will turn on when any motion is within their range. This may be enough to deter anyone who is counting on the dark to be able to approach your home undetected. These can be solar or electric-powered.
Contact Stalwart Insurance in Pittsburgh, PA when you need to renew your home insurance or have questions about home coverage.
A house is usually one of the most expensive purchases a person will make in their lifetime. The agents at Stalwart Insurance in Pittsburgh, PA are stressing the importance of home insurance and want you to know what coverage options are available.
Home insurance policies are designed to protect people’s homes and personal property that they own. This insurance can become the primary source of funding if there is a loss of the home or damage to it and repairs or replacements are needed. Also, most people take out a mortgage loan when they purchase a house, and their mortgage lender will require that the homeowner have home insurance coverage in place.
Types of Home Insurance Coverage Options
The primary coverage of a homeowners policy includes the structure of the house itself as well as any attached structures, fixtures, appliances, furniture, and personal belongings. It will also cover injuries that may occur from some type of accident on the property. There are also various other coverage options that people can choose from when they create their home insurance policy with a trusted agent.
Some of these additional options include medical payments, unattached structures on the property, additional living expenses, flood insurance, earthquake insurance, sewer backup, umbrella liability, and personal property insurance. All of these coverage options are in addition to the basic home insurance policy you would have in place, and they are all helpful to have secured.
To determine which types of coverage options you want to be included in your home insurance policy, you will need to contact an agent that is experienced with home insurance and has the knowledge and skills to guide you through the process, so you have an adequate amount of home insurance for your situation.
Contact the home insurance agents at Stalwart Insurance in Pittsburgh, PA to get your policy started today!
Your home is undoubtedly the most expensive asset, and you can’t risk losing it to something as unpredictable as an earthquake or a fire. That’s why you need homeowners insurance. If you plan to get homeowners insurance from Stalwart Insurance in Pittsburgh, PA, here are the steps you need to take:
1. Determine how much coverage you need. The coverage you need depends on the value of your home and your personal belongings. To get an idea of how much coverage you need, take an inventory of your possessions and estimate their value.
2. Choose the right policy for you. There are different types of homeowners insurance policies available. Understand how each can protect your home and belongings so that you can choose the right policy for your needs.
3. Read the fine print. Once you have selected a policy, be sure to read through the terms and conditions carefully. This way, you will know exactly what is covered and what is not.
4. Make sure you are getting the best deal possible. Homeowners’ insurance rates can vary significantly from one insurer to the next. Be sure to shop around and compare rates before making a final decision. Also, check if there are discounts you can qualify for.
4. Get quotes from Stalwart Insurance. Once you’ve chosen the right policy, you can get quotes from Stalwart Insurance by speaking to one of our insurance agents. We will provide you with a competitive quote based on your needs.
Stalwart Insurance in Pittsburgh, PA will ensure you and your family are protected in the event of an emergency. Contact us today to learn more about our homeowners’ insurance policies and to get a quote.
If you own your own home, it’s vital that you keep it protected with home insurance. This insurance typically comes with several types of coverage that protect you in different ways. If you need home insurance, don’t wait. Call us at Stalwart Insurance in Pittsburgh, PA.
Part of the protection that you get from your home insurance is protection for the house. This coverage protects against a wide range of risks such as certain disasters. It is important to have this protection because of how expensive it can be to make major repairs to your home. It can cost tens of thousands of dollars, or even more, to get your home repaired after a major incident occurs.
The items inside your home are worth a lot, and you need coverage for them. Your home insurance policy will also have protection for your belongings. This can save you from having to pay for everything to be replaced by yourself. It helps you to get back to where you were before the incident happened that ruined your items. Without this protection, you might have to start over again with no belongings.
Another part of a home insurance policy is for your liability. If someone were to come to your property and have an accident while there, you are likely to be liable for the medical bills. With home insurance, that can be paid by the policy instead of it coming from your pocket. Many people don’t think much about this coverage, but when you need it, it’s much better to have it in place.
Protect Your Home
If you don’t have home insurance in place, it’s time to get a policy. Give us a call today at Stalwart Insurance in Pittsburgh, PA to find out more.
Building a home addition is a great way to add space without having to move. Stalwart Insurance wants to make sure Pittsburgh, PA residents are prepared for the task. Here we go over some common things to consider before making a home addition.
Do I need a permit or inspection?
The city does require certain permits before building, though the type and cost of the permit can vary depending on the exact addition being made. It’s important to research what permissions and inspections are needed ahead of time. Otherwise, you could face hefty fines and run into problems with your insurance.
Should I design the addition myself?
If you’re building a whole new addition to the home, you want it to look good with the existing architecture. Likewise, you’ll want to make sure that it will not disturb foundations end load-bearing elements. Unless you are greatly experienced with construction and design, it’s recommended to use a properly insured and licensed contractor.
Will an addition affect my homeowner’s insurance?
Significant additions, renovations, or alterations to your home can change the amount of insurance you need to make sure you’re covered. This doesn’t just mean coverage for additional square footage, but new personal belongings such as appliances and valuables as well. In fact, some policies require you inform your insurer of these changes to the home. Some insurers can offer special coverage options during construction for items like materials.
Home additions are an exciting but hectic time for a homeowner. Let Stalwart Insurance help you tackle your Pittsburgh, PA area renovation. Call, stop by, or message us directly from our website today!
The right type of home insurance is important when it comes to protecting you and your family. But how do you know what insurance to get and whether it will keep you safe? Working with a quality agent who can discuss your options is the place to start. If you’re in the Pittsburgh, PA area, Stalwart insurance can help you find the best policy for your specific needs. The type and age of the house you have, what kinds of furnishings are in it, and whether your home contains anything out of the ordinary can all matter when deciding on the right policy.
For example, most homeowners insurance covers the dwelling and the contents. Still, if you have high-quality jewelry, a grand piano, or an extensive collection of something valuable, you might find that your policy isn’t set up for those things. There are riders and other options, though, that can protect everything you own and what’s contained in your home. That’s why having the right agent on your side matters because they know what questions to ask and can focus on a policy that truly fits your family instead of just a typical one that seems common for everybody.
Having peace of mind is easier when you get your home insurance from Stalwart Insurance. If you’re in or around the Pittsburgh, PA area, you can reach out to us today and ask our agents about the home policy that will work for you. When you do that, you’ll be taking the first step toward a policy that can help you sleep better at night. Knowing you and your loved ones are protected means you can all get back to living and enjoying life in the house you love and call home.
Stalwart Insurance serves the Pittsburgh, PA community by offering residents multiple types of insurance coverage. We take pride in guiding our clients through the process of finding the insurance policies they need to protect what matters most.
Home Insurance Variables
Owning a home is one of your biggest achievements. However, you must protect your investment by inquiring about home insurance. Home insurance covers your property if it is damaged or vandalized. Your personalized items inside the home are also covered if they are damaged, or you are the victim of theft. Liability coverage protects you if someone gets injured on your property. Here is a look at some home insurance variables to consider while researching home insurance policies.
If you have a pool or trampoline in the backyard, make sure to include those items in your liability coverage. If someone were to get injured while playing on a trampoline, you would be protected from potentially serious losses. If you have a pet, liability coverage will protect you if your pet injures someone or causes damage to their property.
If you plan to remodel or renovate your home, make sure that you amend your policy to cover your improvements so that you will be protected if your home is damaged due to a fire or accidental flood. You will also have to amend your policy to cover any luxury items if they are stolen. Consider getting your home and luxury items appraised after your renovation project is complete so that you will have a fair estimate of their true value. That also extends to the exterior of your home as well. If you decide to get a new roof, you will be covered if the weather in Pittsburgh, PA causes severe damage.
Stalwart Insurance Will Help You Protect Your Most Important Assets
Visit our website today to learn more information about home insurance.
House improvements are always exciting to make as they change the outlook of your home. When it comes to home insurance, these improvements can either boost your home’s value or trigger lower premiums. Therefore, you must think about home insurance before doing any renovations for your Pittsburgh, PA home. At Stalwart Insurance, we recommend informing your insurance provider about your renovation plans to ensure that your policy is up to date and also revise some perils that you may expect to be covered but are not there.
Renovations raise the value of your home.
A home insurance policy is designed to cover repairs and replacement costs of your home in case of damage from a fire or other accidents. Anything that will impact the repair or replacement costs of your home significantly affects your insurance premiums and the overall cost of insurance. Notify your insurance company before making significant upgrades and keep a record of receipts or videos of the same for future reference.
Some extensive renovations can completely change your entire home insurance policy.
If you intend to make vast home improvements like changing the roof or exterior wall, such changes may alter your home insurance policy to a property under construction. That means that the policy covers your possessions in that home. However, if the roof or the wall being constructed affects the condition or damages the contents of your home, your insurance provider may not reimburse you for these damages or losses.
You are liable for any injuries on your property.
If you hired several workers to work on your renovations, you are solely responsible for any injuries that may result from the work they will be doing or any damages relating to those injuries. Therefore, enquire about workers’ insurance or have your liability coverage reviewed.
Are you looking to make a few renovations for your home? Stalwart Insurance can help you do this without overcomplicating your home insurance policy. Visit us in Pittsburgh, PA for more information.