Category: Uncategorized

Buying a home in Fairfax, VA is no small investment. Real estate value in the area is constantly on the rise, and the proximity to Washington DC makes it an attractive location for individuals who work in the city. Individuals and couples spend years saving up for a down payment, and when the time finally comes and that dream house is purchased, it is essential to protect your investment. Unlike auto insurance, homeowners’ insurance isn’t required, however, this doesn’t mean that it isn’t important. Here are some key reasons why it is important to consider home insurance:

Protection for More Than Your Four Walls

So what exactly does home insurance cover? Standard home insurance policies help provide protection for your house and all of the possessions within it. However, most insurance companies take the extra step to offer coverage for anything that happens on the property. If a guest is accidentally injured at your home, your Fairfax, VA homeowners insurance may be able to help pay for the medical bills.

More Often Than Not, Accidents Do Happen

No matter how many preventative measures you take as a homeowner, accidents are bound to happen. That beautiful tree next to your garage may get blown down by a huge storm, or a burglar might make a daytime visit while you’re out walking your dog. There are some things that are simply out of a Fairfax, VA homeowners’ control, so it is important to make sure you’re covered in case an accident like that happens.

It May be Required

If you are taking out a mortgage to purchase a home, you most likely will be required by your lender to purchase homeowners insurance. As a reminder, until the homeowner pays of the home loan, the lender is technically the owner of your home, so it makes sense that the lending company wants to be protected in case of damage or an accident.
Metheny Insurance Professionals provides a range of home insurance policies in Fairfax to cover you in the event of theft, water backup, personal injury, and other types of losses. Let our experts guide you through the many coverage options available to ensure that your home, your personal belongings, and you and your family are protected.

Ashburn, VA gets hit as hard as anywhere else by allergy season every year. Unfortunately, stuffy noses and itchy eyes are just one of the risks that arrive with warmer weather. Homeowners in Ashburn should pay attention to a few specific Spring risk factors, and evaluate their current homeowner’s insurance policies to ensure that they’re covered. Ideally, this review should be conducted annually, by a licensed agent.

Wind & Flood Damage: Did you know that nearly 20% of wind and flood claims are filed in the spring? Hail, wind, and rain are all common as we leave winter behind, and even late snowmelt can cause homeowners unending frustration and financial exposure. Despite the relatively tame winter we had here in Ashburn, there has been plenty of rain. Make sure to check your roof for damage, and your basement for evidence of flooding.

Watch Those Gutters: Leaves, moss, and all kinds of debris can build up in gutters during the winter months. Not only can this buildup cause roof and flooding damage, but the increased weight can bring up structural concerns. If you aren’t getting your gutters cleaned every spring, it’s time to start!

Winter Cracks: Frost wedging is a process by which water seeps into nooks and crannies, then freezes. The expanding water can widen existing cavities in asphalt, concrete, and even stone. Spring is the time to review your property for structural damage, cracks in your driveway or sidewalk that might cause falls, and similar issues.

Trees: It’s also a good idea to look around your property for trees that may have become partially uprooted during a storm! Falling trees can cause drastic property damage, injuries, and death. Make sure to contact a landscaper or arborist to take care of these potentially costly risks.

If you’re in need of attentive and experienced insurance professionals to help review your policy, make sure to contact Metheny Insurance Professionals today. Our team reviews homeowners’ insurance for Ashburn families regularly in order to identify exposure, ensure that they’re covered, and maximize their savings. We’re proud to serve the Ashburn community, and Northern Virginia as a whole. If you have any questions at all, please don’t hesitate to contact our team.