How To Reduce Your Chances of Being in an Accident

No one wants to be in an accident. They’re costly, stressful, and can sometimes result in serious injuries. But did you know that there are things you can do to reduce your chances of being involved in a collision? Our team at Blue Hen Insurance LLC in Middletown, DE is here to provide you with a guide.

Here are some tips on how to stay safe on the roads:

Become a Defensive Driver

Becoming a defensive driver means being aware of your surroundings and making sure you’re always paying attention to the other vehicles on the road. Additionally, it means obeying the speed limit and following all traffic laws.

Make Sure Your Vehicle Is Always Well-maintained

This means regularly checking your tires, brakes, and lights and making sure they’re all in good working condition. It’s also important to have any necessary repairs made in a timely manner. 

Plan Your Route Ahead of Time

If you know where you’re going and what route you’ll be taking, you’re less likely to get lost and end up in an unfamiliar area. This can help you avoid getting into a situation where you’re more likely to be involved in an accident.

Never Drive When You’re Tired

Drowsy driving is one of the leading causes of accidents. If you’re tired, take a break and get some rest before getting back behind the wheel.

Get Auto Insurance Today

By following these tips, you can help reduce your chances of being involved in an accident. However, even the most cautious drivers can’t always avoid collisions. That’s why it’s important to have quality auto insurance coverage from a trusted agency like Blue Hen Insurance LLC in Middletown, DE. We can help you find the right policy for your needs and budget so that you can rest assured knowing you’re protected in the event of an accident. Contact us today to get started.

What isn’t covered by condo insurance?

Condo insurance is designed to provide protection for condo owners, similar to homeowners insurance. However, like homeowners insurance, there are things that aren’t covered under condo insurance. Our team at Blue Hen Insurance LLC is committed to helping Middletown, DE condo owners understand condo insurance. 

Understanding Condo Insurance

What’s Typically Covered by Condo Insurance?

Condo insurance is designed to provide liability protection as well as coverage for damage, stolen items, and your unit’s fixtures and appliances. It’s designed to cover what the homeowners association (HOA) will not cover. For example, condo insurance would cover the repair of the inside of your unit/condo, and provide liability protection if you’re sued for negligence.

What’s NOT Covered?

Although there are many things that condo insurance covers, there are specific things that wouldn’t be covered under a condo insurance policy. Condo insurance will not cover damage caused by earthquakes, floods, nuclear hazards, underground water, and damage from birds, rats, and insects. Normal wear and tear, intentional harm to others, and sewer backups. You’ll need to purchase separate endorsements or a separate policy for coverage for these items. 

Other Considerations

Typically, damage caused by earth movement and natural disasters isn’t covered by condo insurance. It’s best to purchase separate coverage if you live in an area prone to these types of incidents. Damage caused by earthquakes, floods, sinkholes, and other natural disasters isn’t covered by condo insurance.

Our team at Blue Hen Insurance LLC is dedicated to helping our Middletown, DE customers understand what’s covered by condo insurance and what’s not. Our team can also help customers purchase additional coverage if needed. If you have questions about condo insurance, give us a call. We’d be happy to answer all of your questions.

What types of coverage does home insurance provide?

Home insurance is the protection that all homeowners need to provide peace of mind. So many things can happen that may endanger both your home and your assets. Home insurance is not just one line of insurance but several. At Blue Hen Insurance LLC in Middletown, DE, we are independent insurance agents working for our customers and not for the insurance companies. We will ensure you get the right insurance for your requirements at the best possible price. 

Property coverage

Home insurance protects the physical structure of your house, the roof, walls, major systems, porches, garages, and decks. It also covers detached structures such as a shed, a pool, or a garage under other structure coverage. Not everything that can damage the structure is covered, so be sure to read your home policy for exclusions. 

Liability coverage

Many things can go wrong at your home, and if someone is injured while there or away from home by a family member, you could find yourself with medical bills and the potential of a judgment against you. Legal fees are also covered. 

Contents coverage

You own a lot of stuff, probably a lot more than you realize. Your home insurance covers these personal possessions from many hazards, including theft, even when you have your stuff away from home. 

Loss of use coverage

When a covered hazard damages your home, you will need a place to stay. Insurance allows you to get a hotel to sleep in and helps pay for food when you have no place to cook. It can pay rent if you are out of your home for an extended time. 

Contact Blue Hen Insurance LLC in Middletown, DE when you are ready to review your current home insurance or get new home insurance.