Do You Know if Your Home is Properly Covered by Home Insurance?

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Most homeowners know if their property is covered by home insurance. The real question is if it is covered sufficiently. If you own a home in the Follansbee, WV area, Mutual Insurance Partners can help.

Why You May Have Doubts About Your Home Insurance Coverage

It is not uncommon for property owners to have doubts or to be unsure about their coverage. Many homeowners, for example, have had their properties for years and haven’t looked at their home insurance policy for any given length of time. Inflation can play a role, as can rising or decreasing property values.

You may have made an addition or other improvements to the home. You may even have put in a pool or added a family dog. All of these may serve to make your homeowners’ insurance a bit outdated.

Another factor that can lead to homeowner’s insurance amnesia is paying premiums through escrow. This combines insurance payments with taxes and mortgage payments and is convenient but may distance you from knowing your precise coverage. 

The Best Way to Validate Your Coverage

The best way to know if your house is properly insured is to have an insurance review. Mutual Insurance Partners can help. No matter where you purchased your home insurance, we can review your policy and detail your coverage. You can verify your coverage and your limits. You may discover where your policy may need updates and where adjustments may need to be made.

We Are Here To Help

How much is your home insured for? Are you covered from storms? How about flooding or natural disasters? If you are unsure, reach out to Mutual Insurance Partners for confirmation. We are proud to serve the Follansbee, WV area. Get your review and free quote today.

Weathering the Storm: Auto Insurance for Severe Weather Events

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As your trusted auto insurance provider in the greater Follansbee, WV region, Mutual Insurance Partners understands the threats severe weather poses to your vehicle. Hurricanes, floods, and hailstorms can lead to significant damages, making the right insurance coverage crucial.

Here are some tips to help your vehicle weather severe weather events:

Comprehensive Coverage: Your Shield Against Nature’s Fury

Invest in comprehensive insurance to protect your vehicle from non-collision incidents, including severe weather damage. This coverage ensures financial support for repairs or replacements, easing the burden of unpredictable weather-related expenses.

Preparing Your Vehicle for the Storm: Practical Tips

  • Check Your Insurance Policy: Ensure your policy includes comprehensive coverage. If it doesn’t, consider upgrading to safeguard against severe weather-related damages.

  • Park Smart: When storms loom, park your vehicle in a garage or covered area to minimize exposure to potential hazards like hail or fallen branches.

  • Emergency Kit: Keep an emergency kit in your vehicle, including essentials like a flashlight, blankets, and non-perishable snacks. In the event of severe weather, having these items on hand can be invaluable.

Insurance Readiness: Proactive Measures for Protection

Regularly review your insurance policy to ensure it aligns with your needs. Consider adjustments or additional endorsements for enhanced protection. In the unfortunate event of weather-related damage, report it promptly for a swift claims process.

Navigating severe weather requires a proactive approach. With comprehensive coverage and practical preparations, you can weather the storm confidently, knowing your vehicle and finances are protected. If you don’t currently have auto insurance that protects you against severe weather in the greater Follansbee, WV area, Mutual Insurance Partners can help you get the insurance you need. Reach out to us today to learn more. 

How Much Commercial Insurance Do You Need?

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When applying for commercial insurance, you have to assess your potential risks to find out how much insurance you need. If you sell beautiful but expensive and fragile decorative glass, you may need quite a bit of insurance. If you sell dairy products that could melt or spoil one hour into a power outage, you may need a good deal of insurance. If you sell embroidered pillowcases, you might not need very much as they never spoil, aren’t particularly fragile, and tend to not be very expensive. 

If you do a lot of your business online, you’ll need a very specific type of insurance. If you have a construction company, you have employees who put themselves in dangerous situations and will need insurance for them. The thing to remember is getting insurance before you need it. 

How to Assess Your Business 

First, define your business and identify the risks. Next, sit down with a certified advisor and discuss your concerns so they can walk you through what you need to do. Resist the urge to put price over reliability and always remember to read the fine print. As time goes on, make it a habit to reassess your business quarterly.

A change in business can mean a change in liabilities and thus a change in your insurance. For example, once you’ve built up enough capital, you can buy display cases for your most expensive, fragile, or frequently shoplifted wares. 

Mutual Insurance Partners Follansbee, WV

If you are in need of commercial insurance and live or work in the Follansbee, WV area, please contact Mutual Insurance Partners. We will do all we can to get what you need. 

Why It’s Essential to Have Home Insurance

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Having home insurance is a must if you own a home. Not only is it a smart choice for protecting yourself, but it’s also likely required for you to have it. Mortgage lenders will require you to have home insurance to protect their investment. If you have a homeowner’s association, they will also generally require this coverage. Even if it isn’t a required policy for you, it’s never a good idea to go without this insurance. When you need home insurance, it’s time to call us at Mutual Insurance Partners in Follansbee, WV.

Protect Your Home

When you have home insurance, it covers the home itself against a wide range of risks that could damage it. There are disasters, accidents, and other events that can happen to a home and cause it to be damaged. When this happens, your home insurance can pay for the repairs that will be needed. Without home insurance, the cost of home repairs could be far more than you could afford to pay. Don’t put yourself in this position by trying to go without home insurance. 

Your Possessions

Home insurance doesn’t just cover the dwelling, but it also includes protection for your possessions. You’ve spent a lot on all of the items in your home, and they need to be protected. Home insurance offers coverage for all of your belongings. If they should get damaged in a covered event, you get the benefit of having the policy pay for the replacements. This can save you an enormous amount of money. Replacing everything without this coverage would be impossible for many homeowners. 

Get Home Insurance

If you own a home and need a home insurance policy, we’re here to help. Just give us a call at Mutual Insurance Partners in Follansbee, WV to find out more and get started. 

Do You Need to Upgrade Your Auto Insurance Policy?

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If you live or work in Follansbee, WV or the surrounding area, you can count on Mutual Insurance Partners for all of your insurance needs. We’re here to help with all of your car insurance upgrade needs.

Is it Time to Upgrade Your Car Insurance?

Your car insurance needs can change over time. There are several different events that can prompt a change. For example, if your teenage child is joining your policy, you’ll probably need to make some changes. The same is true when you pay off your vehicle or begin to drive it more often on a regular basis. If your driving habits have changed, or the number of drivers in your household has grown, you’ll want to carefully review your current policy. This will help you avoid a situation where you don’t have the coverage you need.

Another reason to upgrade your current policy is to enjoy more benefits. Comprehensive policies can provide more robust coverage and provide features like roadside assistance, rental car coverage, and protection from liability. If you want to make sure that you have the protection you need, it’s a smart idea to review your policy carefully at each renewal. This will prevent you from finding yourself underinsured following a covered event. Now’s an ideal time to sit down with your local agent to review all of your policies. This will allow you to make any changes that your current circumstances call for.

Give us a call today!

The Mutual Insurance Partners team is proud to serve the Follansbee, WV community. If you have questions about your auto insurance policy, we’re here to help. Contact us today to schedule an appointment to review the auto insurance policy options that are currently available in our area.

Three Risks Entrepreneurs May Overlook

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Running a business can come with many rewards but also risks. While owning a business is a dream for many, without taking the right steps to mitigate various risks, that dream can quickly turn into a nightmare. Fortunately, there are steps that businesses can take to reduce risks, such as building up liquid cash reserves and taking out the right commercial insurance policies. Visit Mutual Insurance Partners, serving Follansbee, WV, to learn more about commercial insurance.

Three Risks Entrepreneurs May Overlook

Cash Crunches

Many companies generate healthy revenue and enough sales to theoretically be successful. However, poor financial planning leaves them vulnerable to cash crunches.

If you’re short on cash and don’t have credit, you might not be able to purchase the supplies and inventory needed to fulfill orders, for example. Likewise, an unexpected cost, such as repairing an expensive piece of machinery damaged in a storm could sink a business.

Someone Gets Injured Onsite

Let’s say you own a restaurant, but someone slips and falls on the floor, suffering an injury. Even if you, the business owner did nothing wrong, you could be facing a civil case. The right commercial insurance policies can provide coverage not just for any settlements but potentially for legal representation as well.

Severe Weather Events

Each year, storms cause billions of dollars in damage. Businesses can suffer huge losses if commercial properties and equipment, among other things, are damaged. Fortunately, the right commercial insurance policies may provide the resources to help businesses get back on their feet after a storm strikes.

For Businesses, Risks Abound

There are many other risks worth considering, including economic recessions, tight labor markets, and more. A prudent approach to finances, developing forward-looking business strategies, and taking out the appropriate commercial insurance plans, among other things, can mitigate risks for entrepreneurs and businesses.

We Can Help!

Contact the Mutual Insurance Partners, serving Follansbee, WV, to learn more about identifying risks and the importance of commercial insurance.

Projects to Get Your Home Ready for Summer

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Getting your home ready for summer often involves a variety of projects to improve your family’s comfort, energy efficiency, and the use of your outdoor space. For those living in and around the Follansbee, WV area, Mutual Insurance Partners offers these project ideas to get your home ready for summer. 

Getting Your Home Ready for Summer

Wash Windows & Screens

Wash the windows and screens with hot, soapy water. Replace those screens that are ripped or beyond repair. Also, examine the seal around the windows/doors to see if they are sealed tightly, to avoid letting cold air escape.

Perform Air Conditioning Maintenance

The A/C works around the clock in the hot weather. Service your A/C system before the season, as this will ensure it runs efficiently and keeps your family cool.  

Clean the Gutters & Downspouts

Removing the debris from gutters and downspouts is smart as this ensures summer rains can properly drain away from home, preventing potential water damage to your home’s foundation and more.

Test Smoke & Carbon Monoxide Detectors

Check all smoke alarms, carbon monoxide detectors, and house timers have fresh batteries and are in working order.

Check & Improve Insulation

Inspect the insulation (attics, basements, walls, etc.) and add/replace when needed. Proper insulation is essential for a comfortable indoor temperature at a reduced energy usage cost.  

Prep Your Grill for Backyard BBQs

Get your grill ready by cleaning the grates and ventilation areas and checking supplies.

Power Wash Your Driveway & Sidewalks

Pressure washing is the fastest way to remove the dirt and grime that has accumulated since last year.

Keep Your Home Insurance Updated

If you live in the Follansbee, WV area and want additional information on how to protect your home, contact Mutual Insurance Partners today. We are happy to help!

How To Prepare Your Teen For Driving

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It is a scary time when teens start driving. There are lots of things you can do, though, as a parent, to help get your child prepared for this big responsibility. Here at Mutual Insurance Partners serving Follansbee, WV and the surrounding areas, we are here to help you and your teens drive safely.

How to prepare your teen for driving:

Honest Conversations 

It is vitally important that you have very honest conversations with your teen about your expectations for them as a driver. Teens often think of driving as fun, and although driving can be fun and a sense of independence is fun, they really need to understand that driving is a huge responsibility and that their life and other people’s lives are at stake. 

Real Consequences 

Your teen also needs to know that there will be real consequences for poor choices. Those consequences can involve their license getting suspended, fines, accidents, and even death. These are big topics that some parents think are too heavy for their teens. If you think these topics are too heavy for your teen, then your teen is not ready for the driving responsibility. In addition to those consequences, there should also be consequences for you if they fail to follow driving laws and rules that you have put in place. 

Driving is a Privilege Not A Right 

Remember, you are under no obligation to let your child drive. They have not earned a right to drive. They are being given the privilege to drive by the state and by you. That privilege can be revoked if they are not mature enough to handle the responsibility. 

If you would like to learn about our car insurance products, please contact us at Mutual Insurance Partners, serving Follansbee, WV and the surrounding areas. 

Everything You Need to Know About Commercial Insurance in West Virginia

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Commercial insurance is an essential part of protecting your business from unexpected financial losses. Whether you’re a small business owner or the CEO of a large corporation, having the right insurance coverage is critical for your peace of mind and your bottom line. Mutual Insurance Partners, a trusted provider of insurance in Follansbee, WV, can help businesses understand their commercial insurance needs and find policies that provide comprehensive coverage.

Why Commercial Insurance?

One of the most important types of commercial insurance is liability insurance. Liability insurance can protect businesses from legal claims arising from injuries or damages that occur on their property or as a result of their operations. In West Virginia, liability insurance is mandatory for most businesses, and failure to carry adequate coverage can result in fines and other penalties. Mutual Insurance Partners can work with businesses in Follansbee, WV to determine their liability insurance needs and find policies that provide the right level of coverage.

Another important type of commercial insurance is property insurance. Property insurance can protect businesses from losses resulting from damage or destruction of their physical assets, such as buildings, equipment, and inventory. In West Virginia, businesses are at risk of natural disasters such as floods and wildfires, which can cause significant damage to property. We can help businesses find property insurance policies that provide comprehensive coverage for their specific needs.

Finally, businesses in West Virginia should also consider cyber liability insurance. With the increasing amount of sensitive data that businesses store online, cyber threats such as hacking and data breaches have become more common. Cyber liability insurance can provide coverage for the costs associated with a data breach, including legal fees, notification costs, and credit monitoring services for affected customers. Our experienced professionals understand their cyber liability insurance needs and find policies that provide the right level of coverage.

Reach Out To Us

Commercial insurance is an essential part of protecting your business from financial losses in West Virginia. Mutual Insurance Partners can help businesses in Follansbee, WV understand their insurance needs and find policies that provide comprehensive coverage. By working with a trusted insurance provider, businesses can ensure that they are prepared for whatever challenges come their way.

What’s Not Covered by Home Insurance Policies?

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As a homeowner, it’s essential to understand what your home insurance policy covers and what it does not. While home insurance policies from Mutual Insurance Partners in Follansbee, WV, provide coverage for various perils, there are some exclusions to be aware of.

Home Insurance Exclusions

Natural Disasters

Standard home insurance policies usually do not cover natural disasters like floods, earthquakes, hurricanes, or tornadoes. Therefore, if you live in an area prone to these natural disasters, you may need to purchase separate coverage for them.

Maintenance and Wear and Tear

Home insurance policies do not cover maintenance or general wear and tear damages. Therefore, it’s the homeowner’s responsibility to maintain and repair their property to prevent any damages from occurring.

Intentional Damages

Your policy does not cover any damages caused intentionally by the homeowner or any other person in the home. This exclusion includes damages resulting from criminal activities such as theft, vandalism, or arson.

Business Activities

Home insurance policies are meant to cover damages that occur at residential properties. Therefore, any losses that result from business activities, such as injuries sustained by customers or damages to business equipment, are not covered.

Floods

As mentioned earlier, floods are not covered under standard home insurance policies. If you live in an area prone to flooding, purchasing separate flood insurance coverage is advisable. If you’re unsure whether or not you should worry about flooding, we can review the likelihood with you so you can feel comfortable deciding whether or not to purchase it.

Call Our Professional Team!

Understanding what’s not covered by home insurance policies is crucial to ensure that you have adequate protection. At Mutual Insurance Partners in Follansbee, WV, we believe that homeowners should comprehensively understand their insurance coverage. Therefore, we encourage you to review your policy and ask your insurance agent any questions you may have. Then, contact us today to learn more about our home insurance policies and coverage options.

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