Vacation | Homeowner's Insurance | NJ

Protect Your Home While Away on Vacation

Vacation season has begun. More than likely you’ve planned to get away from the grind and spend some time away from home this summer. This is always a great idea and can help you relax and avoid burnout. But it’s important to remember that there are some preparations that need to be made before you put on your Acapulco shirt and order any drink on the menu that comes with a small umbrella. You have to protect your home while you’re away, and that means you have to do the following before you leave.

Home Maintenance

Taking care of all your home maintenance chores should be the first thing you do before going on vacation. Making sure the grass is mowed, the gutters clear, and that your temperature control system is serviced can make the difference between a relaxing trip and a potential nightmare. Making sure home maintenance is taken care of will allow you to take your mind off your home while your away. But it will also help make it look like your house is occupied. It will also help you avoid disasters while you’re away. Nothing worse than coming home from a vacation to find the basement flooded or some other disaster has befallen your home.

Secure Your Home

Home security is imperative when you go on a trip. Burglars are known to capitalize on the absence of vacationers and use that time to break into homes to steal valuables. Locking your doors, arming alarm systems, letting neighbors or family know you’ll be away, and locking valuables in a safe are all common methods of preventing burglary while you’re away. But there are more subtle things that can be indicators to burglars that you’re away. For example, you may want to have a friend or neighbor pick up mail or packages and you should be careful about what you post on social media. Packages that sit for a long time on the doorstep and pictures of you on a beach are clear indicators you aren’t at home.

Purchase a Good Insurance Plan

Purchasing a good homeowner’s insurance plan is another way to make sure you enjoy your vacation without worrying about your home. The right homeowner’s insurance plan protects your home and some of your valuables from the dangers of disaster and burglary. When your possessions are stolen or destroyed, homeowner’s insurance helps you recoup the loss and allows you to quickly move on.

If you’re going on vacation this summer, make sure your home and possessions are in good hands by calling ABCO about homeowner’s insurance today!

pool safety and homeowner's insurance plan | NJ

The Right Homeowner’s Insurance Plan and Pool Safety

A pool can turn your backyard into an oasis, add to the value of your home, and ensure your summers are never boring. There’s nothing like relaxing by the pool and enjoying a summer’s day, especially if friends and family can join you. But there are things to consider if you’re a pool owner. Safety is paramount poolside. So, you’ll have to be sure that you’re taking the proper precautions and have a good homeowner’s insurance plan.

Safety

Pools can be a great feature in any backyard, but they can also be a massive hassle for the homeowner. Not only is keeping a pool clean quite a task but making sure that people are safe while using the pool can be difficult. Properties that have pools on them are required to be fenced in if the pool is deeper than 18 inches. This is to help prevent people from entering your yard and falling into the pool, particularly children. Aside from having the appropriate fencing, it’s a good idea to make sure that you have some flotation devices for people who may not be able to swim. You also need to be vigilant while people are in the pool. People should also be told not to run around the pool or dive in shallow pools.

Liability

Aside from proper pool safety, you should make sure you have a homeowner’s insurance plan that covers your pool. The first reason for this is to prepare for possible accidents. Liability coverage is essential for anyone who has a pool. If someone is injured while in your pool, liability insurance will help cover the potential for paying for medical costs and legal costs that may be associated with an accident. You may want to increase liability insurance from the standard coverage just to give yourself peace of mind.

Damage

A decent homeowner’s insurance policy may also cover potential damages to your pool. For example, say a storm brings high winds that pick up the umbrella from your patio set. The wind and sends the umbrella flying into your above ground pool, tearing the side of the pool. The damage done to your pool will likely be covered by your homeowner’s insurance. That means you don’t have to spend a fortune in pool repairs and can get back to enjoying your summer, poolside.

The Right Homeowner’s Insurance Plan

If you’re interested in a homeowner’s insurance plan, ABCO can help you find a plan that suits you and your needs perfectly! Contact us today!

Snowy night

A Happy Holiday Home: Tips for Fire Safety During the Holidays

A happy holiday for most is one that includes family gathering together. Your house can truly become a home during this period when relatives come to visit and people you love spend time together in the house you love. The thing about togetherness is that it makes you feel safe and secure. When you’re with people you care about, you worry less and love more. But the holidays are also a time when there are more fire hazards in our homes. So, to add to this feeling of safety make sure your holiday is enjoyed without any mishaps by taking some added fire-safety precautions.

Holiday Fire Safety Tips

  • If you celebrate Christmas and you have a real tree in your house, make sure you’re doing everything you can to keep your tree alive. A dead tree can create an inferno if exposed to open flames or a spark from a faulty wire.
  • If you have children in your home, make sure lit candles are far out of reach and that electrical outlets are covered.
  • Make sure that your Christmas lights are not ragged, and wires are not exposed. It’s also a good idea to use surge protectors and not overload outlets.
  • Before preparing any large meals, make sure that your oven and stove are in proper working order.
  • Keep pets away from lit candles or fireplaces.
  • Always use gas, electric, or traditional fireplaces correctly and responsibly and be careful hanging stockings made of flammable materials on the mantle.

Having a happy holiday is synonymous with a safe holiday. You don’t want to put your family, friends, possessions, or yourself at risk by neglecting these simple suggestions. You can make sure your home is ready for the holidays, but don’t get so festive you lose sight of what matters most: the safety of your loved ones.

Protect Your Home

A happy holiday home is safe and secure, but it’s also insured. ABCO Insurance Agency can help you find the right plan to help you further protect your home from the worst. So, contact us today to find a homeowner’s insurance plan that would be right for you.

From all of our team here, we’d like to wish you and yours a very happy and safe holiday and a great New Year!

Fireplace

Protect Yourself this Holiday Season

The holiday season is a great time for caring, being with family, being appreciative, and giving. But it’s also a time for thieves to target you, accidents to happen, and for increased chances of fires. That’s why you need to protect your home, your belongings, and your car this holiday season. Here is our guide to making sure you have a safe holiday season.

Burglars

One of the major threats of the holiday season is from burglars. Your house is bound to be full of expensive gifts. There’s also the potential that your house may be empty as you visit family or take a vacation. Thieves may take advantage of this time of year to break into your home and rob you. So, it’s a good idea to make sure your home is secure when you leave. You should lock all doors and windows and close your curtains, so potential burglars cannot see inside. It’s also a good idea to arm your alarm systems, put your lights on timers, and let neighbors know you’re traveling. A good neighbor may pick up your mail for you and even shovel your driveway, so it looks like you’re at home.

Driving

With more people on the road and potential wintry weather, driving can be a dangerous business during the holiday season. It’s a good idea to make sure you drive safely and defensively. Leave plenty of space between you and the car in front of you. Slowdown in bad weather and put your lights on. Make sure your tires have good tread and your windshield wiper blades are in good shape.

Fire

The risk of fire is much higher during the holidays. More people cooking, more people using their fireplaces, more people lighting candles, cheap or old holiday decorations with lights: all of this puts your home at risk. So, make sure you’re taking care of your home. Throw away faulty lights, always be safe when cooking or using a fireplace. Keep your Christmas tree well-watered and away from your candles and fireplaces. Also, never leave candles unattended for any period of time or left lit overnight.

Protection

Another great way to protect yourself this holiday is with the right insurance plan from ABCO. A homeowner’s insurance plan can help you recover from burglaries and fire damage. And the right car insurance plan will help you recoup losses after an accident. Contact us today to make sure you’re protected this holiday season!

 

Cornucopia

Protect What You’re Thankful for and Appreciate More

Yesterday, most of us gathered around the dinner table and thought about what we’re thankful for. During this time of year, it’s a great thing to think about what you’ve accomplished, what you have, what you want to achieve, and what you’re hoping for. If you’re lucky enough to have been thankful for a wonderful home, a working car, and a family that loves you, that’s a great thing. If you’re hoping that next year (or some years down the line), you’ll be able to give thanks for one or all of those things, that’s great too. Sadly, worry creeps into the human mind far too easily and makes it hard to be grateful sometimes. One way to set aside some of that worry is with the right insurance.

How Insurance Helps

Worry is a common human emotion, but sometimes worry is unnecessary. When you take the right precautions and protect what you’re thankful for, you can set aside some of the doubt. For example, with the right home owner’s insurance, you can rest assured that your home is protected in the event of something unexpected. Maybe that unexpected issue is a strong wind taking shingles off your roof. Or maybe it’s fire damage from a candle left burning. Either way, the right insurance plan can help ease your mind and help you prepare for these incidents.

The same goes for your car. Your car is important to you. It makes sense that you would be thankful for your primary means of transportation. But it’s easy to worry about your car being hit or damaged. That worry can be set aside when your car is adequately insured. Your family is also going to be something you’ll worry about. A life insurance policy can help rest your mind about the possibility of your family having to provide in your absence.

The Right Plan

Insurance isn’t only about recouping finances after a disaster, accident, or act of nature. Insurance is about ease of mind. It helps you set aside the worry that makes life complicated. It’s there to help, not to hinder. Our team at ABCO understands that.

So, contact our team today to discuss the right plan for you!

A Roof Rake Can Help Prevent a Costly Homeowner's Insurance Claim

Prepare for Winter Now with These Tips

It’s definitely starting to get colder and that means that winter is quickly approaching. There is still some time before the long cold nights get really cold, though. While fall is sticking around, it’s a great time to start getting your home prepared for the mayhem that winter can bring. If you live in the Northeast, you’re likely used to harsh winters. That doesn’t mean you can predict everything that winter weather can throw at you though. Here are our tips for getting you home prepared for winter this year.

Trees and Branches

It’s always good to get ahead of bad weather. And winter can bring the worst weather there is. One great way to get ahead this year is to take a look around your property for branches and trees that may become problematic once ice and snow start falling. Trees are great at knocking out your power. And ice and snow are great at taking out trees. Sometimes, your power company may even take care of potential problem branches themselves. Either way, identify what needs to be taken down, and get rid of it.

Portable Generators

As trees come down and power lines fail, you’re left without electricity. Especially if you have electric heating in your home, this can be a major problem. If you don’t have a portable generator, now is a great time to look into buying one. Better to have it and not need it than need it and not have it.

Your Car

You’ll also want to make sure your car is ready for emergencies. You should always keep a shovel around your house for snow but having one in your car is a good idea too. You should also keep blankets and some kitty litter in your car. The blankets can help you keep warm in the event of a winter breakdown and the kitty litter is great for helping your tires find traction when stuck in the snow.

Insurance

The most important way to be prepared this winter is to make sure that both your home and your car are insured. The right insurance plan will make sure you have money for repairs, replacement, and possibly for a place to stay in the event of something major. So, make sure you have auto insurance and home owner’s insurance. If you don’t have a plan, ABCO Insurance Agency, Inc. can help. So, contact us today!

 

vandalism | insurance | NJ

Halloween and Mischief Night: Does Your Insurance Cover Vandalism

Halloween is a fun time of year. You have kids (and grown-ups) in costumes, candy and trick-or-treating, and all kinds of fall activities. But there is also the trickier side of trick-or-treating. Vandalism has been a part of Halloween for a very long time. People have been going door to door and looking for treats and threatening misfortune on specific days for hundreds of years. So, it’s not a new phenomenon to find people destroying property on Halloween or the day before Halloween, known as mischief night. But when vandalism becomes destructive, what are your options and are you insured?

Homeowner’s Insurance

Many insurers provide coverage for property destruction as a result of vandalism. This will vary and be dependent on the extent of the damage and your policy. But it is still a good idea to consider a homeowner’s insurance policy that includes vandalism coverage. Or it may be a good idea to ask your insurer if you’re covered.

When it comes to vandalism done to your home, there are harmless pranks that likely won’t need insurance coverage to mend. For example, toilet paper in the tree in your yard or eggs pelted at your front door may be easily remedied with a garden hose and a bit of careful toilet paper removal. But sometimes vandalism goes beyond harmless pranks and becomes destructive. You may find your lawn salted, destroyed, or dug up. You may find your door locks glued. People may do damage to your plumbing, leading to flooding. Windows and lights may be broken. Worst of all, a fire may be started, leading to damage to your home.

It’s a good idea to be prepared for such destructive behavior and have a comprehensive insurance plan that will help you recover and restore your home.

Vehicle Insurance

Your vehicle may also be damaged by vandals. Again, a few eggs on your windshield may be easily remedied, but more serious damage can be done to your car. Slashed tires and sugar in your gas tank can lead to some serious bills for repairs and replacements. Like your homeowner’s insurance, it’s good to know if your car insurance plan covers these potential situations.

ABCO

If you’re looking for a comprehensive insurance plan that will suit you, ABCO Insurance Agency Inc. can help. Contact us today to discuss your options!

ABCO can help with Flood Insurance

Found Your Dream House? Protect it with Homeowner’s Insurance

You’ve been working for years to save enough money to buy your dream house. Maybe it’s a large house with a huge backyard. Or maybe it’s a little place that makes you feel warm and safe. Or maybe it’s your childhood home and it brings back the best memories. No matter what kind of house it is, your dream house is something you care about. It’s yours and you need to protect it. Homeowner’s insurance will help protect your dream house and the things you keep there.

Your House

Imagine having the house of your dreams. A space you feel safe. A space you love. But there are dangers your dream house faces. From fires to floods, burglars to falling trees, your house is at risk. That’s why it’s important to protect your house with the right insurance plan. A good plan will not only protect you from the obvious, but also the unpredictable yet common accidents that you may encounter.

The Risk

If you’ve spent your life saving and dreaming and finally you get that dream, seeing it all vanish before your eyes would be heartbreaking, especially with no way to recover from such a heavy loss. Homeowner’s insurance ensures that the investment you make in the house of your dreams is protected. Homeowner’s insurance will provide money for repairs, money to help you find lodging if your house is not habitable, money to rebuild, money to replace your destroyed items. In other words, money to rebuild your life and your dreams.

The Right Protection

But how do you find the right plan for you? That’s where ABCO Insurance Agency Inc. comes in. We’ll talk to you about your home and your possessions. We’ll talk about your budget and what is covered. We’ll make sure you have a plan that fits you and your needs. That means your dream house, that individual, unique place you’ve loved, will have the right protections. You won’t have to worry and most importantly, you can enjoy your home and everything that happens there without fear.

Homeowner’s insurance is an absolute necessity. If you need homeowner’s insurance, contact our team today to discuss your options!

 

 

insurance | cherry hill

Prepare for Hurricane Season with the Right Insurance Plan

Hurricane Florence has begun wreaking havoc in North Carolina. Over the next few days, the storm is expected to continue on its path, bringing heavy winds, heavy rains, and dangerous flooding. Although our area is not directly in the path of this hurricane, we will likely still feel its effects. But Florence is just the first major storm of this hurricane season to touch down on the east coast. There are likely to be more and that is just one of the many reasons you should be considering insurance if you don’t already have it.

Strong Winds

Hurricanes bring major destruction. Although our area is not always directly in the path of worst of these storms, that does not mean we go unscathed. Hurricanes bring strong winds that can wreak havoc on your home and possessions. Heavy winds bring down trees that can fall directly into your home. Heavy winds can tear shingles off of your roof. Heavy winds can send branches and debris through windows. Home owner’s insurance can cover many of these problems, which can wind up being very expensive.

Heavy Rains

Hurricanes also bring heavy rains. Heavy rains can cause water damage in a leaky roof, short circuit electronics, contribute to fallen trees, and cause mud slides. All of these have the potential to cause damage to your home or property. That can include your car. Not to mention that driving during wet weather can be risky in itself. Homeowner’s insurance and vehicle insurance will help protect you in the event of rain related damage.

Flooding

Rain can also cause major flooding. Flood insurance may seem like an unnecessary expense, but during a hurricane, or any period of heavy, sustained rain, flooding can wreak havoc on areas that have not been at risk of flooding before. And flooding can cause more damage that a wet basement. Mold and structural damage can come along with heavy flooding. Flood insurance is a great investment for anyone who may have to deal with this problematic weather from a hurricane.

ABCO

If you need insurance, ABCO Insurance Agency Inc. can help. We can help you find the right plan to protect you from all of the above issues. Hurricane recovery can be hard, but with the right insurance, you won’t have to worry. So, contact us today!

 

 

Home-owners Insurance

Your House in an Investment, Protect It

There are major milestones in our lives: our first steps, our first words, our first day of school, our last day of school, our first car, our first house. That last one is one of the biggest. We invest time and money in our homes, hoping to own something we’re proud of and comfortable in. Buying your own home is a massive investment that means a lot for your future.

Think about the process that leads us to our first homes, or even our second, third, or fourth homes. It takes years of saving, hard work, and real love to buy a house and then make it a home. After all of that work and time, it seems foolish not to protect your home. We use paint and siding to protect our homes from time and the elements. So why wouldn’t you protect your home from catastrophe?

Why You Need to Protect Your Home

Considering all that we put into our homes, it’s foolish not to ensure your home is protected from the unexpected. There’s so much that happens in life that we cannot predict. When it comes to your home, floods, winds, fire, burglars, and more can cause unexpected damage or even totally destroy something you’ve spent years investing in.

From the decoration to the actual structure, your home has real value. The time and money that has been spent is at risk, though when you’re not insured. The right insurance plan can keep your home secure, just as your door locks secure your home when you’re asleep. When bad things happen, insurance allows you to rebuild and continue to live the life you’ve worked hard for. It makes sense to protect your house and your investment in that house.

The Right Home Owner’s Insurance

When you trust the right insurance agency, you can be sure that you’re getting the right plan. The right plan will ensure your home and your belongings are well protected. So, if you need to find the right plan, ABCO Insurance Agency can help. We’ll help you protect what you’ve spent years working toward. So, contact our team today to discuss how we can help you!