Seek liability insurance protection for the new pond you plan to install on your residential land. The coverage will protect you in the event that you are sued because of an incident that is directly related to the pond.

Liability Protection

Residential liability insurance protects a property owner from unforeseen injuries and damage. This type of protection covers the pond year-round. Liability insurance covers individual injuries that occur in the pond or next to the body of water.

It will also protect against damage that occurs to another person’s property. For instance, liability protection may absorb the costs you are responsible for if your pond floods and damages a neighbor’s yard.

Project Details

Use the pond project details to determine how much liability insurance you need. Record the pond’s depth and width. Track the materials that will be used to construct the pond.

If you plan on housing any fish in the pond, details about what species will live there should be accounted for. This information should also be recorded if you plan on using the pond for fishing or another activity. All the project details can be submitted when you are ready to purchase liability protection.

Security Additions

Consider adding security materials around or in the pond. A wide range of security features could limit the risk of injury or damage. Fencing, cameras, and lighting could make your pond safe to use during the day or night.

Contact Capretta Insurance Agency

Reach out to one of our agents who represents Capretta Insurance Agency. An agent who serves the Parma, OH, region will help you choose a liability insurance policy for the new pond.

The world of home insurance can sometimes feel like a maze, but one of its key components, the deductible, doesn’t have to be puzzling. In simple terms, a deductible is the amount a homeowner pays out-of-pocket for a claim before the insurance coverage kicks in. Capretta Insurance Agency, serving the greater Parma, OH region, wants to help you find the right deductible amount.

Balance Between Premiums and Deductibles

Typically, higher deductibles result in lower monthly premiums and vice versa. A higher deductible means you’re assuming more of the initial financial burden in a claim. If you’re comfortable with this risk and want to save on monthly costs, a higher deductible may suit you.

Assess Your Financial Comfort Zone

Before settling on a deductible, evaluate your financial situation. Could you comfortably cover the deductible amount in case of a claim? If a $1,000 deductible seems manageable, but $2,500 doesn’t, then it’s an indication of where your limit might be.

Consider Your Property’s Risk Factors

If your home is in an area prone to natural disasters, or if its value has significantly increased over the years, you might want a lower deductible. This means a slightly higher premium but quicker insurance assistance when needed.

Periodically Review and Adjust

Your financial situation, property value, and risk factors can change over time. Make it a practice to review and adjust your deductible every few years.

We Are Here To Help

Choosing the right deductible amount is about balancing current financial capabilities with potential future risks. By considering these factors carefully, you can select an amount that provides both peace of mind and financial sense. If you need help selecting a deductible, let the team at Capretta Insurance Agency in Parma, OH assist you. Call now to get started.

Many homeowners may be surprised by the number of things covered by homeowners’ insurance. Homeowners insurance covers a wide variety of areas associated with your home. The coverage provided by this type of insurance makes caring for and managing unexpected events associated with your home more financially manageable. Our team at Capretta Insurance Agency is committed to helping Parma, OH homeowners understand and explore the benefits of homeowners insurance.  

What is Homeowners Insurance?

Homeowners insurance provides financial protection for liability issues and claims, coverage for damage to your home, structures on your property, personal belongings, and assets. Also, coverage is provided for alternative housing and living expenses if you’re forced to leave your home for its repair or rebuild. This insurance covers a wide variety of different areas that may also be outside of your property.

If you have a shed, greenhouse, or any other structure on your property, your home insurance will include coverage for these structures as well. 

I hit my neighbor’s mailbox with my car. Will my home insurance pay for the repairs?

Yes. Your home insurance is designed to provide coverage for other people’s property that’s damaged as a result of your actions or actions caused by an animal or person on your property. This is the liability portion of your homeowners’ insurance policy.

Liability coverage provides compensation and coverage for property damage to injuries that you’re responsible for causing to others. Damaging your neighbor’s mailbox falls into this category. Your home insurance will likely pay for the repair or replacement of your neighbor’s neighbor’s mailbox.

Looking for Insurance in  Parma, OH?

If you have more questions regarding what’s covered by your home insurance, give us a call at Capretta Insurance Agency. We’d be happy to answer all of your questions. 

Protecting your home from dangers inside and out is an important part of homeownership. Many hazards can be averted with just a few adjustments that can make your home a safer place. At Capretta Insurance Agency in Parma, OH we are independent agents who work for our customers, not just one carrier. We can offer you more options and better value. 

Protecting Your Home

Fire

Fire is one of the many dangers to your home. One of the most important things you can do to protect your home is to make sure you have smoke detectors on every level of your home and that they are operational.  Getting your furnace and chimney cleaned every year is also important for fire prevention. Don’t leave candles burning when you are out of the room or overnight. 

Falls

Falls kill a lot of people every year.  Most of them are avoidable. Use common sense when doing repairs that require a ladder. Always have a spotter with you in the event you get wobbly. Check the lighting in your house. You need to make sure that places you walk at night are well-lit. Remove clutters from halls and stairs. Make sure that stairs have useable handrails and use them. 

Medication

Keep the medication out of the reach of children, pets, and anyone who may have memory issues. They should be placed safely out of sight. 

Poison

Many products that you use regularly are not safe for children and pets. The warning is right on the packaging if you take the time to read it. If you have small children, cupboard locks are a must and in the garage place things on a high shelf, not on the floor. Even in the laundry room, poison can be an issue. 

Get Insurance Coverage

Contact Capretta Insurance Agency in Parma, OH to talk about your home insurance needs. 

Your home is likely your biggest investment, so it’s important to protect it with insurance. Home insurance covers your home and personal property in the event of damage or theft. It can also help cover the costs of someone being injured on your property. Here we discuss what home insurance covers and how to choose the best policy for your needs. Capretta Insurance Agency in Parma, OH will help you understand what your home insurance covers.

What Does Home Insurance Cover?

Home insurance covers your home and personal property in the event of damage or theft. It can also help cover the costs of someone being injured on your property. Most home insurance policies have three main types of coverage: dwelling coverage, personal property coverage, and liability coverage. 

Dwelling Coverage

Dwelling coverage helps protect your home’s structure, such as the walls, roof, and foundation. This coverage typically includes repairs or replacement if your home is damaged by a covered event, such as a fire or severe weather. 

Personal Property Coverage

Personal property coverage helps protect your belongings in the event that they are damaged or stolen. This can include items like furniture, clothing, electronics, and more. Most policies have a limit on how much coverage you have for personal property, so it’s important to insure your belongings for their full value. 

Liability Coverage

Liability coverage helps protect you if someone is injured on your property or if you cause damage to another person’s property. This type of coverage can help pay for medical bills, legal expenses, and more. 

Choosing the Right Home Insurance Policy 

There is no one-size-fits-all answer when it comes to choosing a home insurance policy. The amount of coverage you need will depend on a number of factors, such as the value of your home and belongings, where you live, and more. It’s important to work with an experienced insurance agent who can help you assess your risks and choose the right policy for your needs. 

Contact Us Today

Home insurance is an important way to protect your most valuable asset – your home. At Capretta Insurance Agency in Parma, OH, we understand that everyone’s needs are different. We offer a variety of home insurance policy options and can customize a policy to meet your specific needs. Contact us today to learn more about our home insurance options.

A home is one of the most valuable assets one can have, yet it is also one of the most costly to fix. Capretta Insurance Agency aims to provide some tips that will help Parma, OH homeowners gain a better understanding of the home and the cost of major home repairs when you don’t have insurance. 

The High Cost Of Home Repair

The Cost of a Natural Disaster

Ohio is no stranger to natural disasters. From floods to tornadoes, we are often hit with weather that can cause damage to our homes and businesses. In fact, we spent over $434 million on natural disaster damages over the ten years between 2008 and 2018. Tornadoes accounted for the most damage, but other disasters such as landslides and heavy snow made up massive portions of the damage as well.

American homeowners spend an average of $6,020 on home repairs after a landslide. That number increases to $7,000 after a tornado. The median cost of fire repairs is a whopping $10,000. And these are just the averages across the country. Costs can always increase depending on the severity of the damage. Also, these numbers do not account for the cost of dual-disasters, such as when your home is damaged by a tornado and then catches fire.

Home Insurance Can Cover The Cost of Repairs After Some Natural Disasters

It’s important to know what perils your homeowner’s insurance covers. If your home is damaged by a tornado, fire, or winter storm, your policy might not cover the full cost of repairs. This means you’ll be stuck with the remaining balance. It’s even more expensive if you don’t have insurance at all.

Give Us A Call

Capretta Insurance Agency wants to help you understand your policy and what you can do to protect your home. If you’re a Parma, OH homeowner, contact us today.

When you own a home, you need protection against all the things that can damage it and you. Since this is one of the largest investments most people make, it isn’t always possible to protect yourself without having home insurance. Having the right home insurance is vital to your financial security, which makes your choice of insurance agent so important. At Capretta Insurance Agency in Parma, OH, we work for our customers and give them the attention they need. 

What does home insurance cover?

Your home insurance policy should be customized to your particular needs but the basics that it should cover are:

• Property damage to your main dwelling, outbuildings, porches, and decks from covered perils
• Contents of the property
• Housing in the event your dwelling is uninhabitable from a covered 
• Personal liability coverage

What does home insurance not cover?

Quite a few things are excluded from your basic home insurance policy. You can add an endorsement or get another policy to cover these particular exclusions. 

• Earth movement: earthquake, mudslides, landslides, and sinkholes
• Flooding from surface water
• Sewer backup
• Owner neglect: rodents, mold, termites, carpenter ants

Do I need to have a home inventory?

It is not required to have a home inventory, but it is a very good idea.  When you file a claim with your carrier, having to show them what you had before your home was damaged can be challenging. With a home inventory, you will have all the information you need at your fingertips. 

Is my dog covered if it bites someone?

As long as your dog is not an excluded breed, then yes, your liability insurance will pay for medical expenses and more in the event the person decides to sue. 

Contact Capretta Insurance Agency in Parma, OH when you are ready to review your home coverage.

When you have an upcoming vacation, you are not thinking about the property that you are leaving behind. However, it is important to ensure your home is going to be protected from burglary and theft while you are away. The last thing you want to do when you return home from your family vacation is call us at Capretta Insurance Agency to file an insurance claim because your Parma, OH home was broken into. Here are a few things you can do to offer peace of mind while on your vacation.

Don’t Post About Your Vacation Until You’re Back Home

Going on a vacation means having fun and taking lots of pictures so you have them later for memories. In this day and age, pictures are immediately shared on social media. However, this lets the world know that you are away from home. While you may assume that your posts are private, they could potentially be accessed by someone who is looking for a property to target. Therefore, it is best to share your experiences once you return.

Have a Trusted Friend or Family Member Stop by the House Daily

Consider leaving a key with someone that you trust and having them stop by your home at least once a day. It is best for these daily visits to be at different times. It will make it seem like your home is occupied, and in the event that there is a problem in your home, it can be addressed quickly.

Hold Your Mail Temporarily

It is important that you place a hold on your mail until you return from your vacation. Thieves take notice of overflowing mailboxes and know that no one is home, signaling that the home is a potential option for burglary.

Install Outdoor Motion Sensor Lights

Outdoor motion detection lights will switch on when anyone gets too close to your property after dark. Whether you are home or on vacation, these can be great preventative security measures.

If you want to protect your Parma, OH home and belongings while at home or on vacation, contact us at Capretta Insurance Agency. We will assess your risk and determine the proper amount of home insurance that is best suited for you.

As a homeowner, the last thing you want to think about is filing a claim with your home insurance company. Even if you don’t want to think about it, the reality is that 1 in 20 homeowners file a claim every year. That’s about 5% which means there is a pretty good chance that over the years of your homeownership, you will file a claim. Having a good insurance company on your side makes a big difference. At Capretta Insurance Agency in Parma, OH we have been servicing local residents since 1985. We strive to treat our customers with fairness and respect. We work with each of our customers to provide a personal solution to their insurance needs 

An inventory can be a big help when you are filing an insurance claim, it is the proof you owned what you are claiming. Things move much faster and smoother through the claim process if you take the time now to create an inventory. 

Several options are available for creating an inventory. Whichever one you choose, make sure it is thorough. It can be as simple as using a pad and pen and going from room to room writing down the contents. Open drawers, cabinets, and closets. Bring along a camera and your cell phone to take pictures from a variety of angles. Go through your house top to bottom; don’t forget attics, basements, and garages. Add as much detail as possible especially when it comes to electronics, including brand, model, and serial number. 

When your inventory is complete, it is important to store it in a place where it will be safe no matter what happens to your home. A safe deposit box or in the cloud are both easy and affordable options. 

For all your home insurance needs contact Capretta Insurance Agency in Parma, OH. 

Before purchasing insurance protection for your Parma, OH home, take time to learn the facts about coverage, deductibles, and premium costs. This knowledge will enable you to make good insurance decisions. The following home insurance facts compiled by Capretta Insurance Agency give you a better idea of how home coverage works to protect your property.

• Fact #1 – Standard home insurance policies offer basic protection in the form of dwelling, property, and liability coverage. Dwelling coverage protects your home structure. Property coverage protects your belongings. Liability coverage would protect your financial assets from lawsuits if someone were to have an accident on your property. 
• Fact #2 – Most policies offer protection against theft, vandalism, fire, and natural disasters like tornadoes, rainstorms, lightning strikes, and winter storms. Home insurance doesn’t, however, cover flood damage. For protection against the risk of floods, you’ll need to purchase a separate flood insurance policy.
• Fact #3 – Home insurance can be customized to suit your individual need. You can select the type and amount of coverage you want to protect your home and valuables. Your dwelling coverage should be enough to rebuild your Ohio home if it’s destroyed by fire or natural disaster. Property coverage should match the value of your belongings to protect these items fully. 
• Fact #4 – When insuring your goods, you can choose between actual cash value or replacement cost coverage. Actual cash value reimburses you for the cost of damaged goods after taking off for depreciation. In contrast, replacement cost coverage replaces your goods outright at today’s costs. In both cases, you’ll have to meet your deductible first.
• Fact #5 – Home insurance is the most practical, affordable means of protecting your home and belongings. 

To purchase your home policy, contact Capretta Insurance Agency in Parma, OH today.