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Alan Galvez Insurance Blog: homeowners insurance

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 As a general rule, coverage for dog bites would come from the liability section of your homeowners, condo or renters insurance policy. Liability insurance covers bodily injury and property damage to others. I’m sure we can all agree that a dog bite qualifies as bodily injury to others. READ MORE >>

The answer will depend on what type of policy you have. Let’s take a moment and do some background review first…. What makes up a homeowners insurance policy? In its most basic form, a homeowners insurance policy is a package policy covering both property and liability. READ MORE >>

 When you buy a home, especially the first time, your lender will often require a mortgage escrow account be established for your homeowners insurance and property taxes. For a more detailed explanation of how this works, you can read our article “What is a Mortgage Escrow account and how does it work? READ MORE >>

Whether you're actively house hunting, or are already a homeowner, insuring an older home can be challenging. Our local area is full of pre-1940 homes, especially in certain neighborhoods in Bellefontaine and Urbana (Scioto Street anyone? READ MORE >>

One of the most common homeowners insurance claims we encounter is a tree falling on a property. You can imagine the logical follow up question- "Does my homeowners insurance cover the removal of the tree?" The answer is- it depends. I know you hate that answer, but unfortunately, it's true. READ MORE >>

Whether you're an established homeowner or buying your first home, you already know that having a solid homeowners insurance policy is a crucial piece of the puzzle. But do you know what is NOT covered on your homeowners insurance policy? Most don't. READ MORE >>

The Biggest Problem with Siding and Roofing Claims In the many home insurance claims we've seen over the years, roofing and siding claims cause the most frustration for policyholders. Why? Because when siding and/or roofing is damaged as the result of a covered claim, there is always the chance that the replacement siding/roofing will not match what's left. READ MORE >>

When it comes to home maintenance, we think about projects that we can see, such as lawn care/landscaping, new doors & windows and perhaps a new heating and cooling system.  But do you ever think about the underground service lines that bring water to your house? Or electricity? READ MORE >>

Whether you're looking to buy a home that has a swimming pool OR are considering installing one at your existing home, Ohio homeowners insurance companies view swimming pools with concern. And depending on the swimming pool, it could prevent you from getting homeowners insurance OR cause your policy to be cancelled. READ MORE >>

Every once in a while, we get questions that make us really stop and think. Case in point- A customer called and asked, "if my house is damaged by an Act of God, do I still have to pay the deductible? I've heard that from several people."   READ MORE >>

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Alan Galvez Insurance
134 W. Columbus Ave.
Bellefontaine, OH 43311

 (937) 592-4871

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