Home DIY Safety and Upkeep Tips

Owning a home can be rewarding, but it can also be expensive. If you have recently purchased a new home and stopped by Baldwin Woodville Insurance to get a Wisconsin home insurance plan, then you may think you have all your bases covered. You are partially correct. Now that you have your new home and a coordinating Wisconsin home insurance plan, it is important to take some steps to eliminate the risk of having to file a home insurance claim.

DIY Home Maintenance

Tree Felled on a House

There are a variety of DIY home maintenance steps you can take to making sure your home stays in tiptop shape. One such step is insulation. Particularly with harsh Wisconsin and Minnesota winters, it is important to protect your home and your belongings from the elements. Imagine waking up on a cold Monday morning only to find a flooded basement. Your pipes have frozen – no hot shower for you. In addition, frozen pipes generally also mean a mess from burst pipes.

This entire scenario can be eliminated with insulation. Properly insulating crawl spaces and areas around pipes can prove to be a tremendous help. You can also find pipe wrap to help ensure that -40 degree wind-chill doesn’t stand a chance against your pipes.

Another helpful home upkeep tip is keeping an eye on nearby trees. While they may add valuable shade for your home, trees that are dead, dying, or simply too close may pose serious threats to your house. Be sure to trim back tree branches that are constantly coming in contact with your roof, siding, or windows. If you do have a nearby dead tree, felling it or calling a company to do so could end up saving you from a tree in your living room someday.

Keep Your Foundation Strong

A commonly overlooked DIY home maintenance project is gutters and downspouts. The integrity of your home relies greatly on its foundation. Clogged gutters and improperly placed (or missing) downspouts can cause standing water around the foundation of your home, eventually wreaking havoc. Simply keep gutters clear of debris, and be sure there are no locations of standing water around your home’s foundation.

Vents & Exhaust

Burning House

Yet another commonly overlooked DIY home maintenance project is checking and cleaning dryer and exhaust vents on your home. While your Wisconsin home insurance is likely to cover fire damages should these vents become clogged and cause a fire, avoiding a potential house fire altogether is definitely a better option.

If you’re unsure of what’s in your Wisconsin home insurance policy or you’re looking for something better, get in touch with Baldwin Woodville Insurance today.

Choosing the Right Auto Insurance for You

Choosing the right auto insurance for your needs can be difficult, especially when you don’t understand the meaning of some of the insurance types. Working with any of the insurance agents at Baldwin Woodville Insurance Services is a great way to make sure you find the insurance that works best for your particular situation, but that doesn’t mean you shouldn’t feel confident going in. Understanding your insurance options is a great way to prepare for a meeting with your agent. There is no definitive answer as to what the right auto insurance is, but you can work with your agent to find what’s best for you.

Liability

Liability coverage is required for all drivers in Wisconsin. This insurance will pay for any damages to another driver that you cause in an accident. Because Wisconsin is not a “no-fault state,” the person at fault must be determined at every accident. You don’t want to wind up being the one at fault and having to pay your damages in addition to the damages to the other cars involved.

Liability insurance protects you from having to pay out of pocket for pricey repairs to other’s vehicles. Liability is as much for you as it is for the drivers surrounding you.

The state of Wisconsin requires all drivers to have a minimum liability coverage per accident for $25,000 for injury or death per person, $50,000 total for injury or death to multiple people in a single accident, and $10,000 for property damage.

Collision

We all make mistakes, and collision coverage is there for you when it happens. Collision coverages pays for damages to your car, even when you are the “at-fault” party. This does not include storm damage or other impact damage. For that, look to comprehensive insurance.

Comprehensive Insurance

Comprehensive coverage takes care of most other damage that happens to your car. While another person’s liability will cover damages when they’re at fault, and collision will cover damages when you’re at fault, comprehensive covers damages that are out of your hands. This can include various incidents such as vandalism, theft, hitting an animal, and natural disasters. However, comprehensive typically does not cover freezing or breakdown damage.

Uninsured/Underinsured Motorist Coverage

Unfortunately, not everyone gets the best liability coverage. If a driver damages your car and they don’t have or don’t have enough of liability coverage, then you may not be able to get the payout you need to fix it.

Uninsured/underinsured motorist coverage protects you if you’re struck by an uninsured or underinsured vehicle. This coverage begins to work when your damages and costs go beyond the limits of the at fault driver’s liability coverage. Depending on your plan, it can also pay for medical expenses and lost wages.

In Wisconsin, you must have a car insurance policy that meets the minimum coverage requirements per accident of $25,000 for injuries per person and $50,000 for total injuries per accident.