Home Insurance in Wasilla, AK

Home Insurance Can Give You More than Just Coverage for Your Home

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Home Insurance in Wasilla, AKWe typically purchase homeowners insurance to protect our largest investment – our home. But homeowners, and often condo and renters insurance too, includes many other items besides your home. Let’s take a look at just a few items that might be covered by your homeowners insurance carrier.

While some premier insurance home insurance companies automatically include some of these, others may be available by endorsement. It’s best to talk to us about your policy and what coverage is included.

Personal Property Replacement

Your home insurance will typically provide insurance protection for up to 50 to 70% of the replacement cost of the structure. For instance, if your replacement cost of the home is $150,000, your policy would include $75,000 for your personal possessions such as clothing, computers and such. Keep in mind, jewelry, art and furs would require a special endorsement.

Animal Bites

If you own an animal, it is possible that animal could cause harm to someone visiting your home or while you’re away at a park. Regardless of where the bite occurs, your home insurance policy can provide you with liability insurance coverage to help cover the injured party medical bills as well as any settlement or attorney’s fees.

Identity Theft

Identity theft is a growing problem in the United States. Typically an endorsement, this coverage would help with expenses you incur trying to get your stolen identity back in order and your credit ironed out.

Theft of Items from a car while in transport

If you’re transporting a home item such as a television or even an expensive purse in your car and it is stolen, your auto insurance policy won’t cover it. A home insurance policy can, however. Consider carefully whether or not it would be worth turning in a claim, however, as a deductible and claim on your record could make it a wash, or put you in a worse situation come renewal time.

Additional Living Expenses

If your home is damaged by a covered loss and is unlivable some insurance companies will pay for your room & board while the home is being repaired.

Extra Coverage Availability

By purchasing a high limit home insurance & auto insurance policy together, you become eligible for an umbrella insurance policy. These policies offer additional liability protection if your home or auto insurance policy is exhausted. They’re typically inexpensive and quotes take just a couple minutes.

The coverages above may not be available from all insurance companies and options vary by state. To find out if your home insurance company offers the above benefits, you should talk your agent at Integra Insurance or review your insurance policy.

If you have questions about your home, auto or commercial insurance, call the insurance agents at Integra Insurance in Wasilla & Eagle River, AK. They service the entire Mat-Su Valley including Palmer, Willow, Big Lake, Sutton and Talkeetna. Because they live where you do, they know the challenges Alaskans have. Their agents have years of insurance experience they can easily help you insure everything from your home to your auto or business Insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

How to dispose hazardous waste in Wasilla, AK

Do You Know How to Dispose of Hazardous Household Items?

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How to dispose hazardous waste in Wasilla, AKWhether you’re purchasing a new home or have lived in the same house for years, chances are there is old paint and other household items that require special disposal in your crawlspace or garage.

Batteries:  The average American household goes through over a dozen standard batteries a year. There are several types of batteries. Alkaline batteries come in sizes like AA, AAA, C, D and 9V and can simply be disposed of in your standard garbage can. Alkaline batteries no longer contain dangerous substances like mercury (eliminated around 1993). However, it’s important not to throw away a large number of alkaline batteries together. Also, if you use rechargeable batteries like AAs or AAAs, you should recycle them.

Car batteries and small tractor batteries contain lead and sulfuric acid. These batteries should be taken to a recycling center. Many auto parts stores will actually pay you to recycle the battery at their location. Auto Zone is one of these many stores currently offering a $5 store credit for recycling your battery there.

Paint: Latex paint is considered non-hazardous by all states except California. If you have a home in California, visit this site for recommended disposal. For all other states, it is recommended to dry out the leftover paint with cat litter or a latex paint hardener specifically made for drying out leftover paint such as this product from Home Depot. You can then dispose of the paint in your curb-side garbage collection.

CFL and Fluorescent Light bulbs: These energy efficient bulbs contain mercury. They should be recycled at a local recycler. Many states including California, Maine, Massachusetts, Minnesota, New Hampshire, Vermont, and Washington require the bulbs be recycled and not disposed of in your common household trash.  Some major home improvement stores like Home Depot and Lowes have recycling centers available. Look towards their returns desk for a drop-off.

Keep your eye out for local recycling programs in your community. These are often sponsored by the city you live in and makes disposing of household waste simple.

If you have questions about your home, auto or commercial insurance, call the insurance agents at Integra Insurance in Wasilla & Eagle River, AK. They service the entire Mat-Su Valley including Palmer, Willow, Big Lake, Sutton and Talkeetna. Because they live where you do, they know the challenges Alaskans have. Their agents have years of insurance experience they can easily help you insure everything from your home to your auto or business Insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

How to eliminate junk mail in Wasilla, AK

Tired of Junk Mail? Follow these Five Simple Tips

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How to eliminate junk mail in Wasilla, AKIf you’re like most people, you really don’t like getting junk mail delivered to your home. Not only is it wasteful to you, but the companies paying for the marketing don’t want the wasted funds for print and distribution either. If you’d like to be removed from mailings to your home or business, follow these easy steps!

  1. Junk mail: Visit https://dmachoice.thedma.org and create an account. The DMA (Direct Marketing Association) created this site to help people opt out of unwanted solicitations. Seems counterproductive, but it is actually a cost savings to them as well as their customers, the companies sending you the unwanted mail.
    1. Have a deceased family member that still gets mail? You can opt out here too by filing out the deceased do not contact list
  2. Credit Card Offers: Opt-out of credit card offers. If you’ve ever filled out a warranty card, credit card application, refinance application or other form, your information was likely gathered and used for solicitation purposes. Sounds wrong, but it is allowed. If you’d like to opt-out of credit card offers from Equifax, Eperian, Innovis and TransUnion, Consumer Credit Reporting Companies simply visit https://www.optoutprescreen.com/ . You can request to be removed from credit card offers and other credit related offers right on this site – Permanently!
  3. Phone Books: Many people don’t rely on the phone books like they used to! Smartphones have really impacted this industry. If you don’t want to receive a phone book and it goes immediately into the recycle bin, you can contact the phone book companies directly. Usually from their own websites. Here is DEX.
  4. Phone Solicitations: Not exactly junk mail, but unsolicited nonetheless. If you’d like to register your phone number with the Do Not Call Registry, it is free. Click here.
  5. Junk Email: Getting off of junk email lists can be challenging. Who knows where they get your email address in the first place. In most cases, in order to be compliant with email marketing regulations, emails must have an unsubscribe feature. Look towards the bottom of the email and simply click. Do not enter personal information, just confirm your unsubscribe desires.

While getting off of unsolicited mail, credit card offers, phone solicitations and email offers may be difficult with some work you can curb a large majority of this. While we can’t help you get off of these lists, we can help you with your home, auto and renters insurance.

If you have questions about your home, auto or commercial insurance, call the insurance agents at Integra Insurance in Wasilla, AK. They service the entire Mat-Su Valley including Palmer, Willow, Big Lake, Sutton and Talkeetna. Because they live where you do, they know the challenges Alaskans have. Their agents have years of insurance experience they can easily help you insure everything from your home to your auto or business Insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.