Skip to content
603-288-0111 631-369-0888
The Washwick Agency

2212 Main St
Bethlehem, NH 03574

Get Directions

860 East Main Street
Riverhead, NY 11901

Get Directions

I’m Getting Home Insurance – Should I Also Get Umbrella Insurance?

When shopping for home insurance, you may be asked if you’re also interested in umbrella insurance. While umbrella insurance and home insurance are different, some homeowners find it challenging to understand how these two policies relate and why they are sometimes purchased together.

The agents at the Washwick Agency, serving Bethlehem, NH, are available to answer your questions and help you decide if umbrella insurance is right for you. This article will provide more information about umbrella insurance, aiding your decision-making process when purchasing your insurance policy.

Understanding Umbrella Insurance

Umbrella insurance extends liability coverage beyond that provided by your home or auto insurance policy.

Why Consider Umbrella Insurance?

Many people opt for umbrella insurance to safeguard their assets. Rental property owners often get umbrella insurance to protect themselves from liability associated with these properties.

You may want to consider umbrella insurance if you have significant wealth to protect, participate in high-risk activities (like hunting), or own high-risk items (like a trampoline).

Benefits of Umbrella Insurance

Umbrella insurance can protect your assets under certain conditions. If someone gets injured at your house and their claims exceed your home insurance bodily injury liability, umbrella insurance can be beneficial. People often choose umbrella insurance for peace of mind.

How to Get Umbrella Insurance

If you’re interested in umbrella insurance, contact the professionals at The Washwick Agency, serving Bethlehem, NH. Call today to get started.

Home Maintenance Tasks that Can Minimize Your Risk of a Home Fire

The Washwick Agency can help homeowners in the greater Bethlehem, NH region obtain the home insurance policies that they need. Home insurance can help to protect your home and the belongings in your home against many unexpected events, including fire. While home insurance helps to protect the investment you made in your home and belongings if a fire happens, it is still important to take action to minimize your risk of a home fire.

Here are a few home maintenance tasks you can complete to minimize that risk:

Cleaning Out Your Dryer Lint Trap Regularly

One of the best ways that you can minimize your risk of a home fire is to regularly have your dryer lint trap cleaned. It is recommended that you clean your dryer lint trap at least once a year or when your dryer is not drying efficiently. Lint that gets stuck in the dryer lint trap can cause a fire. In fact, this is one of the most common causes of home fires. 

Having an Electrical Inspection Completed      

Another way to minimize your risk of a home fire is to have an electrical inspection completed. An electrical inspection should be completed as needed. If you notice your lights are flickering, see burn or soot marks around electrical outlets, or smell an electrical burning scent, you should schedule an electrical inspection to help prevent an electrical fire. 

Routinely Check Your Smoke Detectors  

Lastly, also take the time to test your smoke detectors and change the batteries. It is recommended that you test your smoke detectors at least once each season. A smoke detector can alert you to a potential fire, giving you and your family the opportunity to get out of your home quickly if a fire does break out. 

Get Home Insurance Today

Here at The Washwick Agency, serving the greater Bethlehem, NH region, we can help you find the best home insurance policy for your needs and answer any of the questions you may have about home insurance. Reach out to us today to learn more or to obtain an estimate for a new home insurance policy. 

Servicing States

We have expanded our services into multiple states! Don’t see your state listed, reach out anyway!

  • New Hampshire
  • Maine
  • Vermont
  • New York (Long Island, NYC)
  • Florida
  • South Carolina
  • Texas
  • Maryland
  • Connecticut

Testimonials

quote-icon Comparing Quotes - Made Simple

Compare your unique insurance quotes
online via our comparative quoting form.

Get Started Today!

Get A Quote!