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A big shout out to Michael, Fred, Mesake, and Andrew for doing an awesome job handling our move. They were here early, knew the job, flexible, courteous, and fun to work with. We will use you again when we move back in.
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1. Mold: According to Bankrate, a standard homeowners insurance policy generally limits mold damage coverage or totally excludes it. ‘Some insurers offer an endorsement to expand coverage limits for mold claims but only if you are willing to pay more for your insurance.’ The Insurance Information Institute says the best way to deal with mold is to prevent it from growing in the first place — if you have any flooding or a leak, get rid of the moisture as quickly as possible.
2. Sewer backup: If a sewer backs up into a home, it can do some serious damage to floors, walls, furniture and electrical systems — and it’s typically not covered by a standard policy. If you’re worried this could be an issue, experts recommend you consider extra insurance that may be available as part of your current policy to cover sewer backups.
3. Sinkholes: According to Bankrate, “most home insurance policies will not cover damage associated with ‘earth movement,’ such as an earthquake or sinkhole.” The only exception is in Florida, where this type of coverage is required.
4. Floods: Too often, homeowners think their regular insurance policy will cover them in the event of a flood. They are stunned when they find out it doesn’t.
5. Construction work damage: If you are renovating your home, a standard homeowners insurance policy likely won’t cover any damage done to your house. Ask your provider about a separate policy to cover any potential damage. If you hire a contractor, make sure he/she is licensed for any liability.
6. Jewelry/fine art: Most standard policies have limits for how much they will cover if something happens to things like jewelry or other expensive collectibles. The best way to protect these items is to get a separate insurance rider that specifies exactly what these items are.
7. Termite infestation: The National Pest Management Association estimates termites cause $5 billion in damage in the U.S. each year — and it’s not covered by standard homeowners insurance policies. Having a licensed pest control company inspect your home is the best way to avoid this problem.
8. Earthquakes: Earthquake damage is not included in standard policies.
9. Stolen/destroyed cash: It’s difficult to convince your insurance company that you had thousands of dollars stashed away in your home when it was destroyed.
10. Trampoline accidents: They’re considered too much of a risk, so you will likely need a separate policy to cover it.
11. Dog attacks: Some companies exclude breeds that are known to be aggressive. And if your dog has bitten someone before, even if he/she isn’t an “aggressive breed,” the dog may not be included in your policy. Check with your insurance provider to find out.
12. Pool accidents: According to the Insurance Information Institute, since a high amount of fatal drownings occur in residential pools, they increase your liability risk. Pools are ‘considered an ‘attractive nuisance’ and it may be advisable to purchase additional liability insurance.’ So while your current policy may include coverage for a pool, you need to check the details and make sure you are covered for the right amount.
Before you find out how to pack and organize a storage unit, you need to get your storage unit ready to hold your belongings.
Before your belongings get lost forever in a sea of boxes, write down a list of what’s going into the storage unit. With your inventory list in hand, you won’t have to spend hours trying to remember if your favorite winter sweater is hiding in your closet or packed away in your storage unit. Before you decide how to pack and organize your storage unit, write down what’s being moved and include the details below on that inventory list.
Remember the inventory list from earlier? Take a look at it again and highlight those items you think you’ll need most often from your storage unit. Will you need your winter coats in a few weeks? Will you want to use your golf clubs once a month? Whatever items you might need to access regularly should be stored at the front of your storage unit. On the other hand, if you’re not going to need your grandma’s dining room table until you move into a new house in two years, it can be stored in the very back corner of your storage unit.
If you want to have any hope of finding what you’re looking for in your storage unit, you’re going to need labels. For example, labels like “kitchen” are not very specific. You could easily end up with four or five different kitchen boxes and never be able to find the cookie cutters you need. Instead, label boxes with a simple list of contents: instead of “kitchen,” write “cookie cutters, pancake griddle, measuring cups, mixing bowls.”
If you want to make finding what you need a whole lot easier, create a storage unit map. Before you move anything in, lay out your storage unit on a piece of paper and assign every box and piece of furniture a place. Then plan a pathway throughout the storage unit so you can easily access what you need. Keep your map and when the time to recover a sweater or book comes, you can find exactly what you need in mere minutes.
Before we dive into what homeowners insurance covers, let’s address exactly what homeowners insurance is. Homeowners insurance is a form of property insurance that will protect you against damages to the physical structure of your home as well as any personal belongings inside of it. Homeowners insurance will also protect you against liability exposure in case someone is injured on your property during an incident. Your insurance company will assess your situation and provide you with the financial means necessary to get you back on your feet. However, the extent to which your insurance company covers the costs of your incident depends on your policy. Let’s take a look at what a typical homeowners insurance policy will cover.
A typical homeowners insurance policy will help you cover the following:
The structure of your home itself and any structure connected to it (i.e. garage or cellar)
Structures unattached to your home yet still on your property (i.e. shed, guest house, outdoor bar)
Personal belongings that were damaged inside the structures of your property such as furniture, electronics, or appliances
Loss of use, in other words, the additional housing and living expenses you will need if your home becomes uninhabitable from covered damages
Liability coverage in the event that a guest sustains an injury on your property from negligence or uncontrollable circumstances — this may exclude recreational items like pools or trampolines (financial reparations may go towards their medical bills, loss of income, or even a defense lawyer if legal action is taken against you). Check your policy for details.
Now that we’ve run through what a typical homeowners insurance policy covers, it’s important to note that these conditions are still subject to a limited number of perils. Check your own policy for details, but the perils commonly covered in a standard homeowners insurance policy include:
Lightning
Windstorms and hail
Explosion
Fire and smoke
Theft
Vandalism
Falling objects
Weight of ice, snow or sleet
Water damage
It’s also important to note that there are some perils that will not be covered by a standard homeowners insurance policy, including but not limited to, natural disasters, flooding, mold and fungus, or pest infestation. If you’re in an area that is susceptible to any of these risks, or you just want to be extra careful, you may want to add endorsements to your policy. Talk to your insurance company about what your options are and you’ll be well on your way to securing homeowners insurance that covers your needs!
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From Yelp:
My sister and I couldn’t possibly be more pleased with the service that we received yesterday. Michael & Jeremiah were beyond professional, they were also friendly and warm, helping to make a stressful situation so much smoother! They were extremely careful with all of our mothers furniture. I really can’t say enough good things.
-Michelle F. 7/30/2020
Eric, the driver, and Andrew, the mover, arrived on time and worked non stop until the move was completed. They both were very courteous and did a great job. Would definitely recommend this team and company.
-Diane H. 7/29/2020
From Facebook:
Eric, the driver, and Andrew, the mover, arrived on time and worked non stop until the move was completed. They both were very courteous and did a great job. Would definitely recommend this team and company
D. Holland, July 30th 2020
From Google:
BRANDON,S CREW SUPER FRIENDLY AND HELPFUL in everyway thanks men job well done
-R. Robinson, July 2020
Helped my clients move to El Dorado Hills. Than you and your team – excellent job!!
-M. Maddox, July 2020
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