Home Insurance

Prepare Your Property to Defend Against Sudden Storm Damage

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We all know how crazy the weather can get around Mena, AR, especially in the summer time. Your friends at The Owens Agency, LLC are here to provide some timely tips to reduce the amount of damage those sudden thunderstorms and winds can cause in a concise amount of time.

Check for Loose Siding and Shingles

It only takes a hammer, a few nails, and a little bit of time. Walk around your house and property to check your siding for loose boards or shingles. A flapping piece of roofing can get caught in the wind, take flight, and smash a window. Don’t forget to secure fencing and your shed if you have one.

Lock Up the Bikes

You might think a bicycle is a relatively heavy object and couldn’t become airborne. When the winds are whipping over 40 mph, your child’s toy can easily become another piece of flotsam. It’s so tempting for you or your child to simply hop off and leave it in the middle of the yard. Make it a habit of leaving the bikes in the garage or locking them to a secure post when you are done with them for the day.

Use Your Shed

It’s not just bikes, but sprinklers, hoses, buckets, shovels, and wheelbarrows that can go airborne when a funnel cloud is spotted. There isn’t time to clean up the yard on a moments notice. Take the time to neaten up your shed and use it for its true purpose, providing a safe and secure spot for all your tools and yard implements. Your friendly agent at The Owens Agency, LLC has plenty of other suggestions to help you maintain your Mena, AR home and protect your most valuable asset against damage.

Types of Home Insurance Riders

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When basic home insurance doesn’t cover something or only partially insures it, a rider can provide a way to gain coverage without buying another type of policy. Riders are add-ons that enhance standard homeowner insurance policies in various ways. Here are a few to ask about:

Belongings

Waldron, AR, Poteau, OK, or Mena, AR homeowners with valuable jewelry, firearms, furs, antiques or computers may find that their insurers don’t fully cover such possessions. Personal property riders add coverage for these and other high-value items.

Flooding

Floods sometimes inflict considerable harm upon Arkansas and Oklahoma homes. Although they frequently cover storm-related damage, basic home policies normally don’t insure dwellings against flooding. Fortunately, it’s possible to gain financial protection by adding this type of insurance.

Earthquake

Most people in Arkansas seldom worry about seismic activity. Nevertheless, earthquakes have occurred in this state’s history and caused significant destruction. Property owners can gain a peace of mind by requesting earthquake riders when they obtain insurance.

Landslide

Standard homeowners insurance normally won’t pay to repair dwellings damaged by landslides. Both flooding and earthquakes can trigger these disasters. They have struck numerous parts of the Natural State. A landslide rider may cover your personal belongings and/or the entire house.

Back-Up

When sewage backs up through a home’s drains, this can badly damage the building and its contents. Rugs, flooring, appliances, and furniture often must be replaced in this situation. Homeowners may need special coverage to qualify for compensation from an insurer.

Business

Numerous Arkansas and Oklahoma residents run small businesses in their homes. However, basic insurance might not cover valuable equipment. Specialized riders add coverage for home businesses. They can also provide liability protection if customers visit the house.

Rider availability varies depending on your location and insurer. The Owens Agency, LLC can help you find a policy with the right coverage options. We compare policies from an assortment of dependable carriers. Please dial 479-637-2207 to reach The Owens Agency, LLC in Waldron, AR.