Boca Bay Pride

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There’s nothing like the Christmas season to leave us all tearing around like maniacs. It seems like there’s always so much to do and little to no time to do it in! When you’re working on that list of things you have to do before jolly old St. Nick comes to call, don’t forget to adding calling your homeowners insurance agent.

Yes, calling your homeowners insurance agent during the holidays is kind of like inviting the IRS over for Christmas dinner. It’s not fun, and it certainly does (usually) fill you with the joy of the holidays. What it can do, however, is save your Christmas from being completed ruined when your average petty thief comes to call. Or Aunt Edna manages to burn down the kitchen making her famous mincemeat pie. Whichever comes first.

Protecting Your Home from Theft

The holidays bring out the best in people-usually. Of course, it also brings the criminal element crawling out of the woodwork like little roaches ready to wreak havoc in your carefully laid holiday plans. Between the fact that most people spend hundreds or even thousands of dollars on electronics and jewelry at Christmas (sometimes as gifts, sometimes for themselves) and then leave then lying all over the house and the fact that the weeks on either side of Christmas are the most popular of the year to take a family vacation and leave the house empty, the holidays are prime hunting ground for your average B&E man.

Now, your homeowners insurance covers theft, but your homeowners insurance rates are going to go flying up and you just don’t want to do that. Make sure you’ve got a deadbolt on your doors, invest in an electronic security system and try not to advertise when you’re going out of town. The less attractive your home is to potential intruders, the more likely you are to get through the Christmas season intact.

Kitchen Fires

Thanksgiving may be the most popular day of the year for a Christmas fire, but you have to imagine that Christmas isn’t far behind! While trying to break it to Aunt Mabel that she’s not as young as she used to be (and that you can’t microwave the coffee with the spoon still in it!) may or may not keep your kitchen from going up in flames, an ounce of prevention will go a long way towards saving you the trouble of having to find a cure.

You probably went through all this when you bought your home insurance in the first place, but make sure you have working smoke detectors and a fire extinguisher before the holiday season really hits full swing. Keep a close eye on stoves, candles and microwaves, and whatever you do, don’t put real candles on the tree! It only ends badly.

Tis the season to be jolly, not sit around weeping next to the tree. Homeowners insurance companies love the holidays just as much as you do, and you’d all enjoy it more if nobody had to spend their Christmas filling out insurance claims-or trying to convince the insurance inspector that you had a perfectly good reason for sticking the gold star from the tree in the microwave. Honest.

You’ll think of one in just a minute….

The history of homeowners Insurance dates back to the 1950s. This policy was first introduced in the United States of America on the 15th of September 1950. Although that was its official founding homeowners Insurance had been around for some time and has been widely used in Great Britain even before World War. Other areas across the world also used this policy besides the United States and Britain. Before in the 1940s an Insurance law was passed in the United States by the governing body and it was during this time that certain insurance policies were regarded and created. The policies were written and passed through before they officially became legal and that was the beginning of homeowners Insurance also known as Home Insurance. Before the 1950s before the homeowners Insurance became in to law there used to be certain separate policies on different perils that could impinge on your home. Then as a home owner you would have had to purchase separate policies for fire, lightning strikes, earthquakes, theft and the more which was kind of a daunting task to do. In the 1950s the policies were reviewed and they allowed the home owner to buy all the insurance they needed in a single policy. This was of great benefit to the home owner and still continues to be. However policies differed according to the insurance company and that was still a difficulty. Although there had been a significant change to policies there still was a need for the policies to be standardised. The need to standardise grew so much that in the year 1971 a New Jersey company together with the Insurance Service Office was formed. This company was to provide information and to change and simplify the policy. The policies were sold to insurance companies and till to date continue being amended.