Most homeowner insurance policies include some level of coverage for pet or animal damage, but it is limited to certain situations. These policies do not typically cover damage to your personal property, such as your furniture or other belongings, if they were damaged by your own pet. However, if your pet damages another person's property, you may be covered depending upon the terms of your...
Hamburgers, hotdogs, parades, and fireworks! The 4th of July is a great American holiday, and fireworks are a tradition that many communities enjoy. But first, a word of caution: make sure you light up the sky, and not your home! Fireworks can reach as high as 1,200 degrees Fahrenheit. The National Fire Protection Agency reported an estimated 17,800 structure fires and about $32 million in...
Your home is probably your most valuable possession; losing it to fire is unimaginable, but it happens. As a homeowner, you can take steps to minimize the fire hazards in your home and not only protect your loved ones, but also avoid expensive property damage. Plan an Escape Route Every family member should be involved in a fire safety plan so each person knows exactly what to...
Damage to a home can be costly and time-consuming to repair, but the dangers associated with water damage extend beyond the immediately obvious. Even surfaces that do not feel wet to the touch may conceal serious damage to internal structures, which in turn can lead to even greater repair costs down the line. If the damage isn't covered by your homeowners insurance, then expect the...
Tim McElhinny, CIC, LUTCF Partner, McElhinny Insurance Agency LLC tim@mcelhinny.com 412-650-5700 Buying a New Ride? Here’s How to Keep that Baby Safe It can be one of the most exciting purchases—a new car. Whether it’s a sports car or a family ride, here are a few things to know about keeping it insured: First, When you replace a car, the ERIE coverage on your...
