How a Video Doorbell Enhances Home Safety

A video doorbell refers to a type of smart home device combining the function of a traditional doorbell with a built-in camera and intercom system. According to experts, video doorbells increase homeowner’s awareness of their surroundings. The added layer of security allows the unit owner who is at the door without opening it to prevent potentially dangerous situations.

How a Video Doorbell Enhances Home Safety

A video doorbell, which records footage when motion is detected/doorbell is rung, can help increase home safety by –

Offering Remote Monitoring

  • Being able to remotely monitor your front door and the surroundings – using any connected electronic device, allows you to check on your property in real time. This is especially valuable when you are not home. Additionally, these doorbells often include two-way communication abilities so that you can talk to visitors from your smartphone.

Deterring Potential Intruders/Preventing Package Thefts

  • A visible video doorbell lets potential intruders know they are being recorded, which will likely discourage criminal behavior.
  • You are notified by a video alert when a package is delivered and if someone tries to steal it.

Providing Motion Detection/Alerts

Most video doorbells have built-in motion sensors that alert you in real-time when someone approaches your video doorbell.

Seamlessly Integrating Home Security

Many video doorbells can integrate with home security systems, allowing for remote lock control, etc.

It is also important to note that in the unfortunate event of a break-in or nearby suspicious activity, the video footage can become valuable documentation used by law enforcement.

Need Home Insurance? Wise Insurance Agency in Ft. Wayne, IN Can Assist

For more information to protect you and your property, contact the insurance professionals at the Wise Insurance Agency today. We serve the greater Ft. Wayne, IN metroplex.

What Does Home Insurance Cover?

Your home is probably one of the largest investments you will ever make, which means you will want to make sure it is properly protected financially with an adequate amount of home insurance. The agents at the Wise Insurance Agency serving the Ft. Wayne, IN area are ready to assist you with all of your home insurance needs.

Home insurance, which is commonly referred to as homeowner’s insurance, is a type of policy that will provide the financial protection for your home and personal belongings that you need in case something bad happens. A home insurance policy will cover damage to your house in several different scenarios. These include if your home suffers a fire, an act of vandalism, or it is destroyed or damaged by a natural disaster, such as a hurricane or tornado. Your home insurance policy will also help you replace items that are lost due to a burglary or theft incident.

What Exactly Does Home Insurance Cover?

Home insurance will help cover the costs of repairing or rebuilding your house if it is damaged by fire, wind, hail, or lightning. It can also cover outbuildings on your property, such as decks, sheds, and garages.

It will also cover your personal property, including your clothing, electronics, furniture, and appliances.  If someone is injured on your property, your home insurance policy can protect you if that person files a lawsuit against you for damages or injuries.

If you have to move from your home to another place while your house is being repaired, this part of your policy will help pay those living expenses.

Contact Us Today

To obtain an adequate home insurance policy and the peace of mind that comes with it, contact the home insurance specialists at the Wise Insurance Agency serving the Ft. Wayne, IN area today!

Don’t go another winter without comprehensive home protection

Homeowners in the greater Ft. Wayne, IN area can turn to the team at Wise Insurance Agency for all of their insurance needs. We understand how important it is to protect one’s family home, and we are here to help. Give our office a call today and schedule an appointment to learn more about the options that are available in our area. 

Make sure your home is well-protected this winter

Winters in our area can be pretty brutal, and it’s important to have a homeowners policy that provides the protection you need. Now is an ideal time to closely review your current policy and check for any gaps in coverage. Having the right policy for protecting your home is more important in winter than at other times of the year.

Our team can help you review your policy and determine if it provides the protection you want this winter. If you determine that it’s time for a more robust policy, we can help you upgrade to a more comprehensive policy. There’s no reason to go through another winter without the protection that you need to protect your home.

Comprehensive home policies can provide a higher level of protection just when you need it most. Don’t hesitate to call on us with any questions or concerns that you may have. Our team has the knowledge and experience necessary to help you with all of your insurance needs. 

Give us a call today!

Wise Insurance Agency is here to help our friends and neighbors in Ft. Wayne, IN and the surrounding area with all of their home insurance policies. If you have questions about your current policy or are in the process of buying a new home, you can rely on us! Call or stop by today. 

Benefits of Home Insurance in Ft. Wayne, IN

Home insurance protects your investment in your home and can help you financially if something goes wrong. If you’re a homeowner in Ft. Wayne, IN, you know that having insurance is essential. But what are some of the specific benefits of homeowner’s insurance in Indiana?

Rebuild After a Disaster

Even if you don’t live in an area that’s prone to natural disasters, it’s still a good idea to have homeowner’s insurance in case something unexpected happens. The most apparent benefit of homeowner’s insurance is that it can help you rebuild your home if a fire or other covered disaster destroys it. Home insurance can also help if severe weather, theft, or vandalism damages your home.

Your Wise Insurance Agency representative can help you choose the proper homeowner’s insurance policy to protect your home and belongings.

Personal Property Coverage

Another essential benefit of homeowner’s insurance is that it can cover the cost of replacing your belongings if they’re damaged or stolen. Most policies have limits on how much they’ll pay for specific items, so it’s important to read your policy carefully and understand what’s covered. You may also want to consider purchasing additional coverage for valuable items such as jewelry, art, or electronics.

Liability Coverage

If someone is injured on your property or you’re sued for damages, liability coverage can help protect you financially. Homeowner’s insurance can help cover the cost of medical bills, legal fees, and property damage. 

Guest Medical Coverage

If a guest is injured at your home, guest medical coverage can help pay for their medical bills. This coverage is usually included in standard homeowner’s insurance policies, but it’s important to make sure.

As you can see, there are many benefits of homeowner’s insurance in Ft. Wayne, IN. Contact Wise Insurance Agency for more information or to get a quote.

Coverage Options for Home Insurance

Are you ready to get a comprehensive and high-quality home insurance policy? Please reach out to Wise Insurance Agency serving Ft. Wayne, IN to learn more about your options and get started on better home protection.

Factors to Consider 

When deciding on the best home insurance policy, you need to consider things like:

  • Your home and yard’s overall size 
  • The crime rate in your area 
  • Natural disasters that may occur 
  • Your intensive credit history 
  • Premium costs you can afford 

Coverage Options to Consider 

Insurance comes in a few different styles, including HO-3 and HO-5. The first type covers particular listed possessions in your home and provides personal liability protection. HO-5 covers all private property except for excluded elements. Talk to your insurance agent about which type works the best for your protection needs and your financial situation as a homeowner. 

Discuss Your Limitations 

Home insurance may not cover clothing, electronics, tools, appliances, and jewelry without special endorsements. These endorsements are also known as riders and help to make your policy more intensive and complete. A high-quality agent can help you better understand these riders and set up your policy in such a way that you can cover every element without concern. 

Know What is Not Covered 

Many home insurance policies do not cover: 

  • Issues and damage caused by loss of power 
  • Normal wear and tear issues with a home 
  • Mold growths not connected to floods 
  • Animal and pest damage 
  • Poor maintenance 
  • Government action, such as eminent domain 
  • Damage caused by war or nuclear disasters 

Get Help Today 

If you’re ready to protect your home and need an insurance policy that makes sense for your needs, reach out to Wise Insurance Agency near Ft. Wayne, IN. Our team will do what it takes to get you covered smoothly and efficiently.

An Overview of Home Insurance In Indiana

From Fort Wayne to the Ohio River, Indiana is a fantastic state to call home. However, if you own a home in Indiana, you need home insurance from Wise Insurance Agency in Ft. Wayne, IN. But before going far, let’s explore the ins and outs of home insurance to help you make your decision easy when shopping for one.

Is home insurance mandatory in Indiana?

Home insurance isn’t mandatory in Indiana, but many home lenders put it as a requirement as long as the loan facility is outstanding. Since most homeowners don’t have the cash to compensate lenders when the home (acting as security) is damaged, home insurance becomes the surest bet to protect lenders.

Home insurance coverage options in Indiana

The best part of home insurance is that it comes with various options. This flexibility makes it affordable, convenient, and customizable to fit multiple needs. Below are some home insurance coverages to consider.

  • Dwelling coverage: Covers your home and the attached structures from damage against theft, vandalism, lightning, storms, fire, and many other calamities.
  • Contents coverage: Pays for replacement of your assets in case of damage or loss. 
  • Liability coverage: Protects you from property damage and bodily injury caused to third parties.
  • Additional living expenses coverage: Covers additional living expenses (like hotel meals and accommodation) whenever your home becomes unlivable for one reason or another.

Home insurance exclusions

While home insurance covers most perils, it won’t protect you against floods and earthquakes. As such, if your home is located in floods and earthquakes prone areas, talk to your agent for separate coverage. 

Besides, home insurance won’t cover damages emanating from neglect, normal wear and tear, and damage by pests and molds.

Home insurance in Indiana

Would you like to protect your home with home insurance? Don’t look beyond Wise Insurance Agency. Contact us today, and our team will help protect you and your home.

Three home insurance add-on coverage options to consider

It’s important to be aware of and consider all of your coverage options before you purchase a home insurance policy in Ft. Wayne, IN. At The Wise Insurance Agency, we can help you find home insurance coverage to protect the investments you make in your home.

The following are three types of home insurance add-on coverage that you should be aware of when you purchase a policy.

Underground utility line coverage

A standard home insurance policy won’t necessarily cover you for damages to your utility lines. However, your sewer, water, electric, and gas lines could become damaged in a variety of ways. For instance, tree roots growing in a home’s yard can obstruct or break these utility lines. 

If you invest in underground utility line coverage, any resulting costs from these incidents will be covered. 

Sewage backup coverage

One of the most unpleasant problems to have to deal with in a home is a sewer line backup. Sewer line backups can be caused by heavy rains and lead to severe damage to a home’s walls, flooring, and other components. Add-on sewage backup coverage will pay for resulting expenses. 

Watercraft endorsement

Boat owners should be aware of watercraft endorsement options on their home insurance policies. A watercraft endorsement could provide coverage for small watercraft. This endorsement can provide coverage while a boat is both on land and in the water. 

Watercraft endorsements can often cover both collision damage expenses to the watercraft itself and liability costs the owner faces through watercraft operation. 

Learn more about home insurance coverage by contacting us at The Wise Insurance Agency. We’ll help you find the home insurance coverage you need in Ft. Wayne, IN.