Home Archives - Zimny Insurance Agency

What are the benefits of working with an independent insurance agent instead of purchasing my insurance online?

An independent insurance agent usually represents several different insurance companies. They can compare coverage and prices among all these companies. An independent agent can also provide personalized attention and services, including reviewing important documentation (leases, business documents, etc.), explaining state and local laws, and offering suggestions on avoiding claims. You also know the people to […]

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Repairing Your House? Check Your Insurance First

Leave a Comment / Uncategorized / wbfischer

Even small repairs can put you at risk. Whether it’s a do-it-yourself (DIY) project with a friend or you’re hiring a professional contractor, check your home insurance policy before you start any repairs.

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How do I file an insurance claim?

Megan Mitzel

Contact us or your insurance provider as soon as possible after an incident. Provide detailed information about the damage or loss and follow the claims process outlined by your insurer. If possible, document the damage with photos.

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What factors affect home insurance premiums?

Megan Mitzel

Premiums are influenced by factors like the location of your home, its age and construction, claims history, coverage limits, deductible amount, and safety features such as alarms or sprinkler systems.

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How is the replacement cost of my home determined?

Megan Mitzel

The replacement cost is typically based on the current cost to rebuild your home, considering factors such as construction material, labor costs, and local building codes in your area. It doesn’t factor in the purchase price, market value, or tax-assessed value.

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What does home insurance typically cover?

Megan Mitzel

Home insurance covers the structure of your home, personal belongings, liability for injuries on your property, and additional living expenses if you need to relocate due to a covered loss.

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Is my boat, snowmobile, ATV/UTV, or motorcycle covered under my homeowner’s insurance if they are parked in my garage or shed?

Megan Mitzel

No, these items are excluded under a homeowner policy and must be endorsed or added on a stand-alone policy.

Is my boat, snowmobile, ATV/UTV, or motorcycle covered under my homeowner’s insurance if they are parked in my garage or shed? Read More »

Lois Roers, CISR

Megan Mitzel

Lois Roers, CISR Read More »

Cyber Bytes: Homebuyers, Don’t Lose Your Cash to Wire Transfer Fraud

Uncategorized / Megan Mitzel

Wire transfer fraud is on the rise, and perpetrators are preying on unsuspecting homebuyers. AARP The Magazine reported on a retired couple who were finally purchasing a new home perfect for their downsizing dream. Two days before closing, they received an email from their real estate attorney. It was a contract and wire transfer request

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