Summertime Outdoor Living and Home Insurance in New Bedford
When the weather gets warm in Southeastern Massachusetts, and homeowners begin to venture outdoors, one of the things they enjoy doing the most is to spend time in their backyard and around their home. There are lots of great projects that you can do to expand the way that you use your property. While most homes have a basic patio and maybe some flower garden areas built-in, for the most part, if you want places for outdoor dining, cooking, and entertaining, you may think you need to build it yourself. The good news is that there are many contractors in the Southcoast area specializing in hardscaping construction that can help you get the expansion that you desire. Make sure to contact Borden Insurance agency in New Bedford to update your Massachhusetts homeowners policy whenever you make any type of upgrades or repairs. We can answer any questions you might have about home insurance in New Bedford and go over your existing policy to make sure you have the coverage you depend upon.
New Bedford Home Insurance
When you hire a contractor of any type, which includes bringing in an expert to repair your HVAC, provide services for your septic tank, or add plumbing features to your new outdoor living space, make sure to ask about licensing, certification, and insurance. While your MA homeowners policy will cover you for many things that can go wrong with your house, it is essential to ensure that you are only hiring individuals or businesses that carry their own insurance. For instance, if a contractor or their employee were to get injured on the job while at your home and they don’t have their own workers compensation or commercial liability insurance, you might get sued. As a homeowner of a one to three family house in MA, you may not be required to carry workers compensation for contractors doing work at your house. However, you should still ask to see proof of insurance and make sure that the contractor has the proper insurance to cover the type of work that they are doing.
Not sure what to ask for when hiring a contractor? You can always contact our team at Borden Insurance Agency in New Bedford to ask questions. We are happy to help our clients make sure that they are protected from certain liabilities. We can provide you with insight that you can use to help you make sure that your home is repaired or worked on properly by a certified and responsible contractor.
Add Fencing for Extra Protection
Another way to decrease your potential liability and improve your home’s value at the same time is to add fencing or retaining walls. The exterior of your property is vulnerable to people coming in; whether it’s to burglarize your home or use your pool when you are out of town, you want to go above and beyond to prevent it from happening. Liabilities can arise from pools, hot tubs, and other exterior features that are not behind a locked gate. Speak with your agent about home insurance in New Bedford and what you can do to make a difference. Work with a reputable contractor and get all the proper permits to ensure that you place any fencing or walls in the proper place on your property so as not to encroach on your neighbor’s yard.
Get a FREE New Bedford Home Insurance Quote
Contact Borden Insurance Agency in New Bedford by calling 508-999-3636 to get a FREE quote on auto or home insurance coverage. We can answer any questions you might have about New Bedford home insurance and vehicle coverage to help you choose the best policy according to your needs. Call today to speak with one of our friendly and helpful agents.