Tips to Get Your Home And Yard Ready for Fall Weather
It’s time to trade in your summer clothes and iced coffees for cozy sweaters and pumpkin spice lattes, among other things. With cooler weather closing in fast, you’ll want to start thinking about fall weather and how you should prepare your home and yard. Along with wintry weather looming behind autumn, there is more rain, […]
5 Things Your Homeowner’s Policy is Missing
Your home is much more than just a house. It includes the many things inside and outside your home, like your possessions, family members, property, structures, and even pets. It’s crucial to ensure that everything that makes up your home and property is appropriately insured to protect you from unforeseen losses. Every home is unique, […]
Pool Safety Tips and Insurance Considerations
Having a swimming pool in your house can be a fun way of adding more value to your life. But a swimming pool can have risks like pool injury and accidents, including drowning. According to the Centers for Disease Control and Prevention (CDC), in the U.S., children ages 1-4 have an increased chance of dying […]
Cleaning and Maintenance Tips to Prevent Insurance Claims
Whether you love the opportunity to clean, inspect, and do some maintenance work around the house, or you find it to be a tedious chore, the value of doing some much-needed cleaning is undeniable. Regularly inspecting and maintaining your house or commercial building(s) is just as important as regularly checking and maintaining your car. For […]
What is Flood Insurance and Why Do You Need It?
As defined by FEMA, a flood is: A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least 1 of which is your property) from: Overflow of inland or tidal waters; or Unusual and rapid accumulation or runoff […]
5 Questions to Ask Home Insurance Agent
Before shopping for home insurance, you need to know the factors that can help you get the insurance that matches your needs. Ask your insurance agent the following questions to determine the type of insurance, the coverage, and the insurance details that can help you choose the right home insurance policy. 1. What is the […]
Personal Lines Claim Stories
Having adequate personal insurance is one of the best ways to protect you, your home, and your car from costly expenses due to unpredictable situations. At Otterstedt, we understand that most individuals highly appreciate the peace of mind personal insurance provides. Here are some examples of real-life stories of how we help our personal insurance […]
What is Guaranteed Replacement Cost?
Losing your home to a fire or natural disaster is one of the worst things that can happen to any homeowner. What can make it even worse is finding out later that you lack the homeowner’s insurance coverage to rebuild your home back to what it was before the disaster. This is why we recommend […]
Giving an Expensive Present? Here’s How To Insure It Properly
Are you searching for the perfect, extravagant gift for your wife, husband, child, or a loved one for their birthday, holiday, or special occasion? Whether it be a new car for your child’s sweet 16, an engagement ring for your bride-to-be, or an expensive “just because” gift – it is important that you insure it […]
Does Insurance Cover Damage From Wind Related Weather?
Obviously living in areas frequented by strong winds and storms such as tornadoes, hurricanes, and blizzards requires an understanding of wind-related coverages, but with the changing weather patterns, everyone may be susceptible to a wind loss Insurance Coverage Explained Most commercial and personal policies have a general provision for damage caused by windstorms and hailstorms. The […]