Residing in Montgomery, AL, we’re all too familiar with the unpredictability of the weather. One moment it’s calm and sunny, the next a gust of wind is sending your patio furniture flying, possibly even your fence. If your fence falls during a storm, you might be left wondering: Does my home insurance cover this? At Bridgeway Insurance Group, we’re here to help you understand exactly what your policy may or may not cover.

Deciphering Fence Coverage

Most standard home insurance policies include coverage for other structures on your property, which typically means detached garages, sheds, and yes, fences. If your fence is damaged due to a covered peril, such as windstorms, hail, or falling trees, your policy may help pay for repairs or replacement.

However, it’s not always that straightforward. The key factor is whether the damage was sudden and accidental or due to neglect over time. If your fence was already leaning or in poor condition, insurance might not cover it. Conversely, if a strong windstorm unexpectedly blew it over, you’re likely in a better position when it comes to filing a claim.

What You Need to Know

It’s important to review your policy and understand your deductible. If the cost to repair your fence is less than your deductible, it might not make sense to file a claim. Also, keep in mind that cosmetic damage may not always qualify.

At Bridgeway Insurance Group, proudly providing home insurance solutions to homeowners in and around Montgomery, AL, we want you to feel confident in your coverage. If you’re unsure what your policy includes or want to explore your options, give us a call today. We’re here to help protect your home, fence included.

Home insurance is a necessity for all homeowners, whether you’re a first-time homeowner or a seasoned property investor. If you’re a pet owner in Montgomery, AL, it’s crucial to consider the type of coverage you may need to protect your furry friends. Pet and home insurance may sometimes complement each other, depending on your specific coverage needs. At Bridgeway Insurance Group, we specialize in helping clients find the best protection for their investments, big and small.

The Importance of Home Insurance

Home insurance is vital for any homeowner, regardless of the size of your property or lot. It protects your investment from risks such as fires, theft, and damage. Comprehensive or umbrella insurance may also extend to protect your family members and pets from liability. Speaking with an insurance representative can help you determine the best policy or bundling option for your coverage needs.

Do You Need Pet Insurance?

In some cases, you might want to consider investing in separate pet insurance or working with an insurance agent to ensure optimal protection for your pets, especially if you live in a high-risk area for floods and other natural disasters. Pet insurance can also protect your pet if they fall ill or get injured in an accident.

Understanding the need for pet insurance and home insurance can provide you with peace of mind, especially if your pet is injured or requires medical attention. To learn more about protecting your pet and home, visit Bridgeway Insurance Group. If you’re a homeowner and pet owner in Montgomery, AL, contact Bridgeway Insurance Group to compare coverage options and find a policy that suits you and your household today.

Decorating for the holidays is a cherished tradition that brings warmth and joy to any home. However, accidents can occur. At Bridgeway Insurance Group in Montgomery, AL, we want to help you keep your home safe and secure during this festive season.

Choose the Right Decorations

When selecting decorations, consider materials that are less likely to cause damage. Opt for lightweight, non-breakable ornaments, especially if you have children or pets. Avoid placing heavy decorations on fragile surfaces to prevent scratches or dents.

Safely Install Outdoor Lights

Hanging lights can be tricky. Ensure you use outdoor-rated lights and secure them with clips rather than nails or staples, which can damage your home’s exterior. Always check for frayed wires and replace damaged strands to prevent electrical hazards.

Protect Your Floors and Walls

Place felt pads under heavy decorations like Christmas trees to protect floors from scratches inside your home. Use removable hooks to hang decorations on walls, which will help avoid paint chipping or wall damage.

Manage Fire Hazards

Candles and fireplaces add a cozy touch but can be dangerous if not managed carefully. Keep flammable decorations away from open flames, and never leave them unattended. Consider using LED candles as a safer alternative.

Plan for the Unexpected

Even with the best precautions, accidents can happen. Make sure your home insurance policy is up-to-date. At Bridgeway Insurance Group, we help you find the right coverage to protect your home during the holidays and beyond.

These steps allow you to enjoy a beautifully decorated home without worrying about damage. Contact Bridgeway Insurance Group in Montgomery, AL today to ensure your home is fully protected this holiday season!