Water and Basements

With Springtime approaching, it's important to take a fresh look at your homeowner's insurance coverage to make sure your finished basement is covered appropriately.

With the ground saturated from a Winter's worth of snow melting, and with Spring showers exacerbating the level of moisture in the ground, it's extra important to make sure that if you have a backup sump system in good working order and that you have coverage on your homeowner's policy for sump backup-just in case!

Don't let your finished basement become a soggy nightmare! Call your agent for a full policy review today. Remember-a phone call today can save you money tomorrow!

Rate Increases: A General Primer

Trying to discern why your insurance rates have increased can be a very tricky proposition. Here are some of the more common reasons why rates can change from one renewal to the next:

• Recent claim activity
• A discount you were receiving changing
• General rate changes in the state you reside
• Changes to the structure of the policy, or different cars or additional drivers

When a rate increase happens, the best thing to do is to work with your agent! He or she may be able to identify opportunities for additional savings through new discounts and changing deductibles or coverages.

Rate increases are certainly not ideal, but with good communication with your agent, they can often be mitigated.

Welcome To The Havlic Insurance Blog!

Welcome to the official Havlic Insurance blog!

Over the coming weeks and months, we're going to be bringing you some exciting content! Be ready for informative articles discussing insurance questions and needs, claim facts, planning and preparedness tips, and much more!

We will also be providing video content which we hope will demostrate how Havlic Insurance & Associates is the right fit for you and your family!

Please feel free to post comments, questions or feedback at all times-the more communication we have, the better we can serve you!