5 Ways to Accident-Proof Your Home

Posted on August 24, 2023September 5, 2023 by admin

Home accidents are a common occurrence across the country. By taking some necessary precautions, many of these accidents can be prevented. These tips from Blue Hen Insurance LLC in Middletown, DE can help you create a safer home environment to minimize the risk of accidents.

5 Ways to Accident-Proof Your Home

Clutter

Get rid of clutter that’s blocking your entryway, halls, or stairs so people can travel these areas safely without tripping and falling. The old adage “a place for everything and everything in its place” can help prevent accidents and create a neater, safer environment in which to live.

Stairwells

Install handrails for your stairs to make them safer to travel. If your stairs are carpeted, make sure there are no loose edges sticking out that can cause people to trip and fall.

Area Rugs

In like manner, make sure all rugs have slip-resistant backings or pads to keep them securely in place when walked on. You don’t want a rug sliding out from under you and causing a serious fall. A slip and fall due to a sliding rug can easily lead to a back injury, broken bone, or concussion.

Household Products/Prescription Drugs

Store household cleaning products and prescription medicines in a secure location out of reach of your children to avoid accidental poisoning. At the same time, teach your kids to respect “non-play areas” such as your tool shed or bathrooms to avoid the risk of accidents.

Check Smoke Alarms Regularly

Check the batteries on your smoke alarms and carbon monoxide detectors regularly to ensure they’re functioning as they should. These devices are your first line of defense against injury from fire and carbon monoxide poisoning.

Lastly, keep your home insurance current for protection against accidents that may occur on your property. To update your home insurance coverage, contact Blue Hen Insurance LLC in Middletown, DE.

How to Prepare Your Car for a Summer Roadtrip

Posted on July 21, 2023August 8, 2023 by admin

Ready for a summer road trip in Middletown, DE? Not so fast! Your car needs a little TLC before you hit the road, and here at Blue Hen Insurance LLC, we know just where you can start. Here are a few tips you can use to prepare your car for your next road trip.

How to Prepare Your Car for a Summer Roadtrip

1. Visit a Mechanic

Before a long trip, you want to have an inspection done by a professional. While there are basic maintenance tasks you can perform ahead of time by yourself, like checking your tire pressure, you will want a mechanic to inspect your brakes in case wildlife runs in front of the road, a car suddenly stops, or unruly weather causes you to stray off the road.

2. Check Your Car Insurance Policy

You don’t want to have to worry about whether you have coverage while you’re sitting on the side of the road with a broken windshield. Make sure your car insurance policy is current so you can be prepared if there’s an accident.

3. Test Your Air Conditioner

If you’re warm on short trips to the grocery store, imagine what an entire road trip in the summer heat will feel like with your AC not working! Check the temperature in your car with the AC running and make sure it’s in working condition before you head out on the road.

Begin Your Adventure Now

Middletown, DE is beautiful, especially in the summer. Ready to go exploring? Contact Blue Hen Insurance LLC today to learn more about car insurance policy options that will be the right fit for your next summer trip.

How Condo Insurance Works

Posted on June 16, 2023June 20, 2023 by admin

Condo insurance works similarly to home insurance. However, with home insurance, it covers the entire dwelling. This includes everything from the roof to the outer walls to the foundation.

When you have a condo, however, you don’t own all of these spaces. There are very specific areas that you own. The condo association generally owns the rest. They’re responsible for insuring those areas as well. What you need to cover in your insurance policy will be made plain in the policy. It will specify exactly which areas are covered. When you need condo insurance, call us at Blue Hen Insurance LLC in Middletown, DE.

Owned Areas

The condo policy will be specific about which areas you own and which are owned by the condo board. The board generally owns the outer walls. This may or may not include the inside of those walls. This information is taken from your contract so that every part that you own will be covered. The policy will pay for damage that is caused by many different events. Those events will be listed in the policy.

Covering Your Possessions

Other than the areas of the condo that you own, the policy also covers your possessions inside it. This is an essential way to cover your possessions. When something like a calamity or disaster strikes, it can harm your belongings. That’s one reason that it’s so important to have this coverage. Instead of being left with nothing, the policy can help you replace it all. This coverage protects you financially in case of a serious, damaging event.

Get Your Condo Policy

To talk to an agent about this type of insurance policy, call us at Blue Hen Insurance LLC in Middletown, DE. We can tell you more about it and get you started.

Home Insurance is an Important Way to Protect What Matters

Posted on May 19, 2023June 10, 2023 by admin

Protecting your home is vital. It’s a big investment and holds so many memories. Plus you want to have a safe and secure place for you and your family to enjoy. Whether you’re just getting started with buying your first home or you’ve owned a house before and are looking to relocate, Blue Hen Insurance LLC can help. We serve the Middletown, DE area and are here to answer your questions about insuring and protecting your home.

Getting The Right Coverage For Your Home

Don’t settle for a subpar insurance policy because it might not cover everything that matters. Instead, working with a trusted, professional insurance agent can give you a quality policy and peace of mind. You don’t have to choose a policy with guesswork or base it on anything but knowledge and sound information. The more you know about your options, the easier it is to choose the right one.

When you need a home insurance policy, there are a few specific things you want to consider. Your lender may have certain requirements your policy has to meet, but beyond that, there are additional coverage opportunities to think about. Some homeowners want to have more protection than the minimum required. If you plan to do that, though, an agent can help you choose what works for your needs.

We Are Here To Help

If you’re in the Middletown, DE area and looking for home insurance, reach out to Blue Hen Insurance LLC today. We can help you choose a policy that’s right for you and that gives you all the protection you need without adding a lot of extra coverage that might not be necessary or helpful to you. Then you’ll know your home is protected the right way, and you’ll also have peace of mind you can feel good about for the long term, too.

Collision Insurance: What It Is and What It Covers

Posted on April 11, 2023April 28, 2023 by admin

Car accidents are, unfortunately, a fairly common occurrence. Should you find yourself in a crash, you’ll be responsible for paying to have your car fixed or replaced if you don’t have collision insurance. This form of insurance is often required for those that are leasing or financing their car but optional for those that own their car outright. Unlike liability insurance, a collision policy will kick in even if you are found to be at fault.

What’s Covered By Collision Insurance

As previously mentioned, collision insurance covers the repair or replacement of your car should you be involved in an accident. In general, this type of policy applies during

Single-car accidents where there’s a rollover or a collision with an object such as a fence, tree, or guardrail
Accidents involving another car, including hit and runs

Though it may not be required, having a collision policy in place to protect against these types of situations can prevent you from paying thousands of dollars out of pocket.

What’s Not Covered By Collision Insurance

It’s important to remember that collision insurance only covers damage to your car and not injuries or damage to other vehicles or objects. Other instances where collision insurance does not apply include weather-related damage, car theft, and collision with animals. If you would like to have these events covered, you’ll need to buy comprehensive insurance as well.

Looking for a Customized Insurance Plan in Middletown, DE?

Contact Blue Hen Insurance LLC Today!

When you need peace of mind that your car is protected in the event of an accident, turn to the professionals at Blue Hen Insurance LLC. Drivers in Middletown, DE have trusted us to provide them with a personalized policy that gives them the right amount of coverage without breaking the bank. Contact our team today to receive your quote.

The differences between a unit policy and a master policy

Posted on March 27, 2023April 4, 2023 by admin

A unit condominium policy and a master policy are two types of insurance policies that protect condominiums, but there are some distinct differences between them. At Blue Hen Insurance LLC, we want Middletown, DE area condo owners to make sure they have the coverage they need to protect themselves.

Unit Policy vs. Master Policy

A unit condo policy covers the interior of the unit, including any personal belongings and improvements that have been made by the owner. This type of policy will also cover any liability claims that arise out of the ownership or occupancy of the unit. On the other hand, a master policy covers common areas of a condominium complex such as hallways, stairwells, swimming pools, and clubhouses. It will also cover the exterior walls, windows, and roof of each individual unit in the complex.

When it comes to purchasing insurance for a condominium, it’s important to understand both types of coverage so you can determine which one(s) best suits your needs. A unit condo policy offers more personalized coverage while a master policy provides protection for common areas. Depending on your situation, you may need one or both types of coverage in order to be adequately protected.

No matter which type of coverage you choose, make sure that it will provide enough protection for both your personal property and liability in the event of damage or injury. Keep in mind that some condominium associations require you to purchase insurance, so check with them to determine what type and amount of coverage is necessary. It’s also important to understand any special coverage needs you may have, such as flood insurance or earthquake coverage.

Give Us A Call

For more tips, call us at Blue Hen Insurance LLC today. We proudly serve the Middletown, DE area.

Frequently asked questions about home insurance

Posted on February 21, 2023March 1, 2023 by admin

If you are a homeowner, you might need home insurance depending on state requirements and what your lender requires. The topic of insurance can be confusing. Blue Hen Insurance LLC is happy to assist Middletown, DE area homeowners. Here are some answers to some of the most frequently asked questions about home insurance.

Frequently asked questions about home insurance

What is the 80/20 rule of home insurance?

As a rule, most insurance companies require you to have at least 80% of the total replacement cost of your home insured.

What is not covered by home insurance?

Although home insurance covers many things, there are some things it does not cover. These include termite damage, animal damage, earthquake damage, water damage, and normal wear and tear.

What factors determine the cost of home insurance?

Home insurance can be expensive depending on a lot of factors. Where you live can determine whether your insurance premium will be cheaper or more costly. If you live somewhere with higher risks, such as flooding, earthquakes, tornadoes, etc., you will most likely have a higher premium because of the added risks of damage.

The replacement cost of your home is another factor that plays into the cost of your insurance premium. These costs include the materials, number of rooms, and local rebuilding costs.

What two things can you do to reduce the cost of home insurance?

Depending on the age of your house and the insurance company, home improvements can reduce the cost of your premium. If you own an older house, newer wiring, and a new roof can significantly reduce the cost of your insurance.

Another thing you can do to reduce the cost is to bundle your car and home insurance together. Bundling can get you a significant discount on both your vehicle and your home.

Reach Out To Us

Types of Automobile Insurance Available

Posted on January 16, 2023January 19, 2023 by admin

It is required by law that Middletown, DE residents obtain automobile insurance of various types. Blue Hen Insurance LLC is here to help you navigate the different types of coverage available to you.

Types of Automobile Insurance Available

One category is PIP or personal injury protection. This coverage is typically purchased in states that follow no-fault laws which declare a person must cover their own expenses regardless of who is at fault for the accident. Delaware is an at-fault state yet still mandates this insurance product.

PIP will cover your medical costs, and it can also make payment for lost wages. State regulations require you to purchase at least $15,000 per person or $30,000 per collision.

In addition, you need to procure liability indemnification. Your Blue Hen Insurance LLC representative and go over the exact scenarios that would be included, but generally speaking, it would pay for expenses resulting in property damage to the other party’s vehicle. It will also extend to their hospital bills and lost income. $25,000 is required per person and $50,000 per wreck.

Collision coverage indemnifies your vehicle in the event that you come into contact with another object, and this can include things like a lamp post, a mailbox, or a car. Comprehensive insurance takes care of situations that do not involve a wreck, such as falling tree branches or hailstorms.

Underinsured protection helps when the other party has insurance but lacks a sufficient amount to cover your costs. An uninsured policy is for situations where another driver has no insurance at all. Gap insurance pays off your loan balance if it is less than what you receive from your settlement.

Get The Right Coverage Today

We invite you to reach out to us today to discuss your specific situation by phone, online, or in person at the office. We serve those who live in and around Middletown, DE, and we look forward to doing business with you.

What does a condo unit policy cover?

Posted on December 22, 2022December 22, 2022 by admin

In condo complexes, a unit policy is separate from a master policy, which covers the entire condominium complex. The master policy provides liability coverage for all of the common spaces and amenities, such as the exterior of buildings, hallways, elevators, lobbies, exercise areas, swimming pools, and other features that all condo owners share. It typically doesn’t cover any damage to individual units of condominiums. This is where unit policies come in. Blue Hen Insurance LLC, serving the Middletown, DE area, is here to assist with all your queries.

What does a condo unit policy cover?

Unit policies are specific to each individual owner and provide coverage for damages to the owner’s property inside their condo unit or apartment. These policies may include coverage for furniture, appliances, and any other personal belongings that the unit owner owns. They can also provide additional living expenses if you are forced out of your home due to a covered loss such as a fire or natural disaster.

In addition to covering damage to your property, most condo unit policies will also provide liability coverage if someone is injured in your home or if you cause damage to someone else’s property while you are living in the condo. This type of coverage is important because it helps protect you from financial losses related to lawsuits or medical bills for injuries caused by you or on your premises.

Unit policies should always be supplemented with a master policy since it covers items that no single unit owner could be responsible for – like structural damage caused by storms or fires that impact multiple units at once. Both types of insurance work together to ensure that all condo owners are adequately protected against potential disasters that can occur within their shared community space.

Contact Us Today

If you have any additional questions, give Blue Hen Insurance LLC a call today. We proudly serve the Middletown, DE area.

Preparing your Home for the Winter Months

Posted on November 22, 2022November 22, 2022 by admin

Warm fireplaces, family, friends, hot cocoa, sleigh rides. These are some things that people think of and look forward to in the winter months. While there are certainly a lot of good things to look forward to in winter, there are a lot of precautions that you need to take to get your house ready for winter. Our team of insurance experts at Blue Hen Insurance LLC in Middletown, DE is happy to provide you with a guide.

Get things inspected and prepared for winter

There are a few things that you should have a professional inspect and help you with getting prepared for winter. If you have a wood stove or a fireplace, you should have a professional chimney sweep clean your chimney and make sure that everything works properly. Next, make sure that you have enough wood for the winter. If wood is not your primary source of heating, call a professional to check your home heating system to make sure it is running well.

Another thing that should be inspected is your roof. Hire a professional to make sure that there are no cracks where critters, water, and cold air could come into your home.