5 Things That Insurance Companies Look for When Rating Your Homeowner’s Insurance

Insurance companies consider many factors when rating your homeowner insurance premium. We all want the peace of mind that our home and its contents are covered for the worst-case scenarios, yet that sometimes means paying higher insurance premiums to ensure that everything is adequately covered. But how exactly does an insurance company rate your homeowner insurance premium? Many factors are considered, so your insurance costs can vary significantly depending on the overall condition of your … [Read more...]

How to Make Silky Smooth Garlic Mashed Potatoes

The holidays are finally approaching! Are you prepared for Thanksgiving with your family and friends this year?  If not, we’ve got you covered - and not only with insurance! Our quick and delicious recipe for mashed potatoes will be a hit at any holiday meal. Garlic Mashed Potatoes Recipe   Ingredients: 6 medium potatoes (2 pounds) 1/3 cup of milk 6 peeled garlic cloves ¼ cup of softened butter or margarine ½ teaspoon of salt 1/8 teaspoon of pepper   Step … [Read more...]

Burglary Prevention: What You Can Do To Deter Intruders?

"Did I forget to lock the door?" Like most individuals who are rushing to work, or the airport, home protection can easily slip from our minds. With property crime on the rise, Carver Insurance Services, Inc. wants to provide you with these preventative measures to keep your home safe while you are away. Everyday Prevention-You Can Never Be Too Safe To help keep your everyday routine less detectable by would-be criminals, park in the garage. Leaving your vehicle in your driveway is an … [Read more...]

What to Do (and Not Do) When Filing a Home Insurance Claim

When filing a home insurance claim, it's best to know what you should and should not do. No one likes to experience catastrophes, especially when they are located in or around their home. These can be extremely traumatic, and they may even disrupt your entire life. But if and when something happens in your home, it's reassuring that you have home insurance to help cover the expenses that come with the repairs. Here are some tips on what to do and not do when filing a home insurance claim after … [Read more...]

Are You Covered From Flood Damage?

If you are relying on your existing insurance policies, you may not have enough coverage. As the heavy El Nino rains continue to pound California, you may be hearing more and more stories of flood waters making their way into people’s homes. If you are thinking that your existing homeowners insurance policy will provide protection in case of flood damage, think again. Any damage that is done by a flood will not be covered under your existing home insurance policy. You will need to invest in a … [Read more...]

Will Home Insurance Repair Your Damaged Fence?

How To Cover Fence Damage You depend on your fence to protect your property and offer you privacy. It can be a serious problem, then, when your fence gets damaged. Will your homeowners insurance cover it? Here is a look. Tree Damage: If you have a healthy tree on your property that falls over and damages your fence, your home insurance will not just pay to replace the fence, but will also likely cover the cost of debris removal. Be advised, though, that if the tree falls because you neglected … [Read more...]

Emergency Preparation: Supply Kit & Home Insurance

Being Prepared For A Disaster Disaster strikes in the blink of an eye. While we cannot predict when the next catastrophe will hit, we can take some steps to prepare for it. To ensure your family has everything it needs in the face of a disaster, make a disaster preparedness kit with these supplies and carry the right home insurance. Water: You should have at least one gallon per person per day in your disaster supply kit. A three-day supply is advisable, but if you have space for more water … [Read more...]

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