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Franklin Insurance Agency

2345 Southern Blvd SE Ste C4,
Rio Rancho, NM 87124, United States

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Category: Home Insurance

Tips Every Home Owner Needs to Know About Insurance

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All homeowners need to carry a homeowners’ insurance policy. However, not all insurance policies are created equally. It is essential to know precisely what your policy covers and take action to make sure you are not denied in the event of a claim. If you are unsure about your current coverage and live in the Albuquerque or Rio Rancho, NM area, reach out to an agent at Franklin Insurance Agency today. 

Home maintenance is important 

It is critical that you do not defer maintenance on your home that could cause you to be more vulnerable to a claim. For example, even if it is just a small leak, have it taken care of right away before it turns into a more significant problem. If an insurance company determines that you neglected to maintain your home, the insurer has the right to deny coverage. 

Make sure you have coverage for your dog

If you have a dog, it is imperative to speak with your insurance agent to make sure you have coverage under your home insurance policy. Insurers can exclude dogs altogether or exclude certain breeds that are deemed aggressive. Dog bite claims can be extremely costly, so make sure you have adequate coverage. 

Do not wait to file a claim 

If an issue arises under your homeowners’ insurance policy, do not wait to file a claim. There may be a deadline to file a claim, after which you could be denied coverage. Check with your agent to determine the length of time you have to file. 

Take inventory of your home 

When you go to file a claim, you will need to document all of your belongings for the insurer. It can be hard to remember all the belongings in your home off the top of your head. Go through your home with a video camera to take stock of your belongings.

If you would like to learn more about homeowners insurance, reach out to an agent at Franklin Insurance Agency. We proudly serve the Albuquerque and Rio Rancho, NM area. 

Home Insurance Add Ons to Consider

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When it comes to protecting your home, there’s no shortage of possible insurance add-ons to consider. It ultimately comes down to your property and how much protection you believe you’ll need. If you live in or around Rio Rancho, NM, the team at Franklin Insurance Agency is here to help. Here are some of the top home insurance add-ons to consider.

Flood Insurance

Many in New Mexico might not even consider flood insurance as something necessary for their property. However, as you know, when it does rain, it rains hard and the water often has nowhere to go. Plus, flood insurance is there for burst pipes and any other issue with water. These are areas your regular home owner’s insurance is not going to completely cover, so it is worth looking into. 

Commercial Insurance For Home Business

More and more Americans are starting to work for themselves. That is exciting and a great way to spend more time at home with the family. However, your home insurance may not protect your commercial investment, even if it is inside your home. So whether you have a storeroom of goods you have produced or you just have some computer electronics in a side office, in the event of theft, flooding, storms or any other issue, your commercial business may not be covered. Due to this, it is a good idea to look into commercial insurance for your home. 

There are all kinds of home insurance add-ons you can take advantage of. Ultimately, it comes down to what kind of property you have and the protection you need. When living around the greater Rio Rancho, NM area, the Franklin Insurance Agency is available to help. Contact our office to speak with an agent and have your questions answered.