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Bacon Insurance Group

3711 Westerre Pkwy, Suite D
Richmond, VA 23233

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Why You Should Choose an Independent Insurance Agent for Your Home Insurance

An independent insurance agent can help you shop around with different insurance carriers, helping you find the right carrier and policy for your needs. Many homeowners may not be aware of independent insurance agents or how they differ from other insurance agents.

If you have questions, the professionals at Bacon Insurance Group, servicing Richmond, VA, have answers. Here’s what you need to know about independent insurance agents.

What Is An Independent Insurance Agent?

An independent insurance agent is not employed by any specific insurance company. Instead, they can explore insurance options from different carriers and may work with numerous companies to help their customers find the most suitable insurance policy for their needs.

What Are the Benefits of An Independent Insurance Agent?

There are many benefits of collaborating with an independent insurance agent. For example:

  • Independent insurance agents can shop around for the best price and coverage options.
  • Independent insurance agents have access to a larger range of insurance products to meet the needs of their clients.
  • Independent insurance agents can more readily act in the best interests of their clients without having to meet a specific quota from their insurance agency.

How to Get Started With An Independent Insurance Agent for Your Home Insurance?

Do you want to get your home insurance through an independent insurance agent? Contact Bacon Insurance Group, servicing Richmond, VA. We work with a variety of insurance carriers and help homeowners connect to the right insurance products. We can help you find the right policy for your budget and needs.

Types of Coverage in Your Home Insurance Policy

When you’re a homeowner, it’s essential that you have home insurance from the first day you own it. Coverage should start the day you buy the home, and you need to keep it for as long as you live there. If you don’t have home insurance, call us at Bacon Insurance Group in Richmond, VA. 

Home Coverage

Part of the coverage you get from home insurance is to protect the house itself. This coverage is extremely important for covering the cost of repairs if they are needed because of a destructive event. When a destructive event happens to your home, the resulting repair bills can be extreme. It can easily cost tens of thousands of dollars to get repairs after the damage has been done. The policy can pay for this coverage. 

Possessions Coverage

Your belongings are in your home, and when damage happens to the home, it may also mean damage to your possessions. Home insurance includes coverage for all of your possessions in the home. When you add up what it costs to replace everything, you soon see why this coverage is essential for every homeowner. 

Liability Coverage

You’re liable for what happens in your home, including any accidents. If someone becomes injured in your home, you’d owe for all of their expenses related to the accident. This can be an enormous amount, even if the injury isn’t that bad. Medical bills can surprise you, but your home insurance’s liability coverage will prepare you for them. 

Get Your Home Insurance Today

Call us at Bacon Insurance Group in Richmond, VA to get started with your home insurance policy. 

Three Ways Home Insurance Protects You Financially

Owning a home is a big responsibility. It’s important to be able to protect yourself and your home from a number of possible risks. To do this, you need a home insurance policy. It will protect you in a number of ways against high costs after something happens to or in your home. To get your policy, call us at Bacon Insurance Group in Richmond, VA to get started. 

It Protects Your Home

There are many damaging events that can happen to a home. These may end up costing thousands for the necessary repairs. Your home insurance policy will cover many risks that can damage your home. If you didn’t have this insurance, you could face unaffordable repair bills or even the destruction of your home. Home insurance can pay for the repairs of covered events and even pay for it to be rebuilt if it’s destroyed. 

It Can Replace Your Belongings

Just like coverage for the home itself, these policies also cover your belongings inside your home. When a damaging event happens, it’s often not just the home that gets damaged. When your items are ruined, your home policy can pay for those belongings to be replaced. This can be a huge savings when the unexpected happens and you have to replace expensive items. It’s never a good idea to go without this coverage. 

It Covers Your Liability 

Another huge expense can be the medical bills of someone who is injured in your home. Home insurance comes with liability coverage that will pay those bills after an accident with injuries. This is important financial protection just in case someone on your property is hurt. 

Don’t Be Without Home Insurance

You need to have your home covered from the day you bought it until the day you sell it. To get your policy, call Bacon Insurance Group in Richmond, VA. 

Tips Preparing Your Finances for Homeownership

Owning a home here in the Richmond, VA area is an incredible milestone. If you’re planning to make the leap into homeownership, it’s important to prepare your finances so that you can be successful in the long run.

Here are some tips from us at Bacon Insurance Group to help get you started on the right path: 

1. Get organized

Make sure that all of your financial documents are in order, including bank statements, credit card statements, investment accounts, and other important information. It’s also helpful to track your spending habits and create a budget for yourself so that you can stay on top of your finances once you become a homeowner. 

2. Understand what you can afford

 Before purchasing a home, take some time to understand what kind of mortgage payment you can realistically afford by looking at your income and other expenses. This will help ensure that buying a house doesn’t put too much strain on your budget each month. 

3. Save up for a down payment

 Most lenders require borrowers to pay at least a 20% down payment when purchasing a house so it’s important to start saving up as soon as possible for this expense. Try setting aside money from each paycheck or using tax refunds or bonuses to work towards this goal. 

4. Pay off debt

Before applying for a mortgage, try to pay down any existing debt such as credit cards or student loans if possible since high levels of debt could lower the amount of money you’ll be able to borrow from the lender. 

We Can Help!

For more tips or to find an insurance policy to cover your new home, give us at Bacon Insurance Group a call today. We are proud to serve the Richmond, VA area.

Tips Preparing Your Finances for Homeownership

Owning a home here in the Richmond, VA area is an incredible milestone. If you’re planning to make the leap into homeownership, it’s important to prepare your finances so that you can be successful in the long run.

Here are some tips from us at Bacon Insurance Group to help get you started on the right path: 

1. Get organized

Make sure that all of your financial documents are in order, including bank statements, credit card statements, investment accounts, and other important information. It’s also helpful to track your spending habits and create a budget for yourself so that you can stay on top of your finances once you become a homeowner. 

2. Understand what you can afford

 Before purchasing a home, take some time to understand what kind of mortgage payment you can realistically afford by looking at your income and other expenses. This will help ensure that buying a house doesn’t put too much strain on your budget each month. 

3. Save up for a down payment

 Most lenders require borrowers to pay at least a 20% down payment when purchasing a house so it’s important to start saving up as soon as possible for this expense. Try setting aside money from each paycheck or using tax refunds or bonuses to work towards this goal. 

4. Pay off debt

Before applying for a mortgage, try to pay down any existing debt such as credit cards or student loans if possible since high levels of debt could lower the amount of money you’ll be able to borrow from the lender. 

We Can Help!

For more tips or to find an insurance policy to cover your new home, give us at Bacon Insurance Group a call today. We are proud to serve the Richmond, VA area.

How Home Insurance Protects Your Home

When you own a home, there’s always something that needs to be done to keep your home protected. One of the things that will best protect your home is a home insurance policy. These policies are essential for keeping your home as protected as possible from a wide range of risks that can affect it. When you’re buying a home and need home insurance, call us at Bacon Insurance Group in Richmond, VA to find out more. 

Versatile Protection for the Home

There are many things that can happen to a home to damage or even destroy it. There is a broad range of incidents such as certain accidents, disasters, and other events that can result in a lot of damage to the dwelling. When these happen to a home protected by home insurance, the policy can pay for the repairs that are needed to get your home back in shape. Repair bills can be extremely high after a damaging incident, and without home insurance, they could be insurmountable. It could be too expensive to get your home back into good condition without the help of a home policy. 

Protection for What’s Inside

You also need protection for everything inside your home. Your possessions have cost a lot, and they also need to be protected. The protection you get from home insurance also extends to your possessions, paying for you to replace items that were lost during covered events. The items inside your home add up to an enormous amount of value. After your investment in your home, your investment in your belongings is often nearly as high. Your home insurance also gives you protection against liability when someone is in your home and has an accident. 

Get Home Insurance 

Never go without home insurance because of the many ways it protects you. To get started, call us at Bacon Insurance Group in Richmond, VA.

Making your home a safer place to live

With a few small changes, you can make your home a safer place to live. At Bacon Insurance Group in Richmond, VA, we have been providing local residents exceptional service since 1997. We work for our customers and do the hard work of locating and comparing the best home insurance policies to meet the needs of our customers. 

Tips To Maintain A Safe Home

Clean up clutter

If you have the habit of stacking things on your stairs or in your hallways, it is time to make sure all the places where you walk every day and every night are clutter-free. Adequate lighting is a must to avoid falling.

Avoid throw rugs

As attractive as throw rugs are, they are a danger for tripping or sliding. Either avoid them completely or use double-sided tape to attach them to the floor.

Extension cords

Don’t run extension cords across areas where you walk, keep them close to the wall or don’t use them. If you must run them, cover them with duct tape. 

Poison

Medicine should be stirred out of the reach of children and pets. The same goes for any poisonous chemicals that you may use. 

Password your internet network

Keeping your personal information safe from hackers means not allowing outsiders to hack into your network. Choose a strong password, one that you don’t use anywhere else.

Make sure your smoke detector is working

If your detector is hardwired it should work without problems, but if the power is out it is important to make sure that your batteries are fresh so that the battery backup works. Check carbon monoxide detectors at the same time. 

Clean your chimney

Chimney fires are a danger if you use your fireplace. Hire a chimney cleaner every year. 

Get Home Insurance

The right insurance coverage will help you protect your most important asset – your home. Contact Bacon Insurance Group in Richmond, VA to discuss your home insurance needs. 

The 5 Most Common Types of Losses and How to Protect Your Home

A home is one of the largest investments you make. Aside from money, you invest time, energy, and memories. Here at Bacon Insurance Group in Richmond, VA, we know how important your home is to you. We want to help you protect it.

Here are the five most common losses and the steps you can take to protect your home:

1. Wind and Hail Damage

When the weather report indicates high winds, take the time to tie down or put away any outdoor furniture or lawn ornaments. Park cars in the garage to avoid hail damage and regularly have your roof inspected. 

2. Water Damage and Freezing

Notice a leak? Turn off the water to your house until the cause is found and addressed.  Winterize your home to make sure your pipes are ready. Check with FEMA  to see if you are in a flood zone. 

3. Fire and Lightning

Make sure your fire alarm batteries are regularly changed. Avoid leaving candles, plugins, or wax warmers unattended. 

4. Liability

To avoid injury to guests on your property, be aware of anything that poses a risk. If you cannot fix them, tell your guests about them and do your best to find ways around them. 

5. Theft

Invest in a quality home alert system. Leave your porch light on at night to discourage curious eyes. Communicate regularly with your neighborhood watch. 

Give Us A Call

The truth is, we cannot control the weather, and accidents happen. Aside from taking these precautions, the best way to protect your home is to get the right coverage. Bacon Insurance Group can help with that. Call us today to get more details about how our Richmond, VA office can protect your investment in your home. 

Best Ways To Protect Your New Home

Buying a new home brings with it a feeling of excitement and accomplishment. Now that you have gotten through the difficult part of purchasing your house, you will want to take the proper steps to protect it. At Bacon Insurance Group, serving Richmond, VA, we can help by providing you with the information and insurance products you need. Keep reading to learn how you can protect your new home. 

Solid Homeowner’s Insurance 

Homeowner’s insurance is a must if you have a mortgage on your new home, but you need to take the time to shop around for the best policy that will adequately cover your home. Be sure to read your policy carefully and discuss any questions you have with an insurance representative. 

Security Systems

You may feel like you have already spent a lot of money on getting your new home, but investing in security is essential to the long-term safety of your home. Quality security systems are far more affordable today than they were in the past. The money you spend on this investment is well worth the peace of mind it will provide for you. 

Safety Rules 

It is essential to establish safety rules for your home as well. If you have children or teens in your home, this is a must. Be sure to sit down as a family to discuss the safety rules for your homes and how these rules should apply to everyone. Make sure you have established rules about using fire, the pool (if you have one), and visitors. 

It is also good to create a closing routine for your house every night. This will include that you will lock up every night and establish a time that all housemates should be in. 

If you would like to learn more about our services, don’t hesitate to contact us at Bacon Insurance Group, serving Richmond, VA. 

 

 

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