Category Archive : Home Services

Renters Insurance May Cover More Than You Think

Renters insurance is an insurance policy that protects renters and their things. Most policies cover a wide range of situations. You probably have a good idea of what’s covered, but some things may surprise you! Read on to find out exactly what protection your policy can give you.

What Does Renters Insurance Cover? 

Renters policies usually include three kinds of coverage. Here is a quick rundown of what most policies cover.

Coverage for Your Things

Renters insurance can cover the cost of your things if they are damaged or destroyed. Covered events fall into a few categories: weather and natural events, external events, and household incidents. 

Weather-related events include things like wind, hail, smoke, fire, or even volcanic eruptions. Some covered external events are explosions and damage from planes, cars, or falling objects. Covered household incidents include things like damage from broken pipes or electrical problems (1). 

As you can see, a renters policy can be a great safety net. If you find yourself in any of these situations, you can file a claim and breathe a sigh of relief. However, the benefits of renters insurance go much further than taking care of your things. Here are a couple of other ways your policy can protect you.

Liability Coverage

People who own homes and businesses have to carry liability insurance. Property owners can be sued for any accidents or injuries that happen on their property.

Many renters don’t know that they can be held responsible for accidents on the property they rent. Most policies include liability coverage in case something like this happens (1). If someone is hurt and sues you, your insurance can help you cover the costs.

Coverage for Living Costs

Any of the events listed above can cause some serious damage. In some situations, you may need to leave while your home is repaired or cleaned. If you can’t stay in your home, your policy can cover the cost of a hotel, food, and anything else you need while you wait to go back home (1). Having to leave your home is stressful. This coverage in your renters policy can make it a lot easier. 

Losses Outside of Your Home

Renters insurance doesn’t stop at your front door. Most policies also include some coverage for losses that happen when you’re away from home (1). If someone breaks into your car and steals your laptop, you can file a claim. This also stands if someone steals something from you while you’re out. For example, if a thief takes your camera bag at an event, your renters policy can cover it.

Get Covered

Now that you know what your policy can cover, it’s time to protect yourself! If you’re in the Raleigh area, Dan Thompson Agency can help you prepare for life’s curveballs. We have been serving our friends and neighbors for nearly 30 years, and we want to offer you our expert advice. Protect your peace of mind – give us a call today! 

References

1. ‘What is Renters Insurance, and What Does it Cover?’ Source: https://www.nerdwallet.com/article/insurance/renters-insurance-coverage

What Should You Do If Your Bathroom Mirror Breaks

Of all the mirrors in a home, the bathroom mirror is probably the most important. Can you imagine getting ready in the morning without one? If your bathroom mirror is broken or damaged, don’t panic, call a glass glazing company to learn about the best repair and replacement options.

Can I Fix a Broken Mirror Myself?

The short answer is probably not. In fact, you could make the damage worse by trying. Whether it’s a small crack or more obvious damage, resist the urge to repair the break yourself. Mirror glass is extremely sharp. Even smooth-looking shards can cause painful cuts. Do not try to remove the mirror. For safety, carefully sweep up any loose bits and place them in a container just in case they are needed later. Take a close-up photo of the damage and one of the entire mirror. Some good visual images will help a professional glazer assess the damage and advise you on how to proceed before scheduling an on-site visit. 

When is it Time to Call a Glass Glazing Company?

A broken mirror may seem like a lost cause, but an experienced professional has the knowledge and the equipment to recommend a treatment plan. If the damage is minor, such as a hairline crack, the mirror may be restorable. But if the breakage is more serious, replacement will probably be recommended.

A standard off-the-shelf mirror may not require the services of a highly trained professional, but repairing/replacing a custom or heirloom mirror is a more complex project. Remember, repair involves more than just the glass itself. The frame and surrounding tile, or drywall, may also be affected. If the piece has special sentimental value, take heart. A professional contractor may offer restoration options you hadn’t considered.

Don’t be afraid to ask questions before hiring a glazier. A reputable company with experienced contractors will be happy to provide the information you need. Here are a few to get you started:

  • Have you ever repaired/replaced a mirror like mine before?
  • Does your company guarantee their work?
  • Are you a licensed glazier?
  • How many years of experience do you have in the field?
  • What kind of warranty does your company offer?

Replacements and Upgrades

Sometimes an accident turns out to be a positive experience. If your broken mirror needs to be replaced, it’s a perfect time to upgrade. Mirrors are not only functional, their reflection adds light and a sense of space to a room. Placement and size of the mirror can make an enormous impact on the overall aesthetic of the space. The mirror itself can become a focal point by selecting an interesting shape or updating the frame. The advice and expertise of a reputable glass company can help you turn a broken mirror into a better room.

If you’ve been living with a cracked or damaged mirror because you weren’t sure what to do about it, contact Desert Empire Mirror & Glass. We are a family-owned glazing company and specialize in custom glass and mirrors. Our friendly staff is here to help.