AFSV Insurance

Happy Father's Day to all the dads and father figures out there. Enjoy your day!

☀️ Summertime is building season. Protect your project. 🛡️

Summer is when construction booms. The weather clears, the housing market heats up, and projects that were on hold all winter finally get moving.

But more projects mean more risk. And one of the most overlooked risks in any build is the gap between groundbreaking and completion—the window when a property is most vulnerable and least protected. 🏚️

Builder's Risk insurance fills that gap. It's designed specifically for structures in progress, and it covers more than most people expect:

✅ Structural damage during construction
✅ On-site equipment and materials
✅ Losses from theft, vandalism, and fire
✅ Soft costs like architect fees, if a covered loss causes delays

It's a temporary policy, but the protection it offers is very real—and very necessary.

Summer builds move fast. Make sure your coverage keeps up. Reach out, and we'll help you find the right policy before your project breaks ground. 🏗️

🔒 Coverage? Take It (Past) the Limit 🔍

You may have heard us talk about homeowners insurance and how it protects so many of your important, can’t-live-without, life-changing possessions. It truly is a safety net that can catch those things you value most if disaster strikes.

But some of those important items have policy limits, meaning they may slip through the net when you least expect it.

Those items need additional protection, either by listing them on your homeowners coverage directly by “scheduling” them, or by getting a special policy to make sure they're covered. Here are some categories you may want to check for coverage limits:

💍 Jewelry
📱 Electronics
🔫 Fi****ms
🎨 Art
🍴 Silverware

There are more than these that could be limited. The best way to find out is to do a home inventory, then schedule a review with us. We can guide you through what your policy covers and where it needs some help to protect those treasures that make your life, well, your life. 🏠

🔨 Know Your Home(Owners) Maintenance 🏠

Every home needs some TLC now and then. Home maintenance is an important part of home ownership, and keeping your home in good shape pays you in the end.

Your homeowners insurance policy also needs some regular work, though with a lot less caulking.

The good news is that maintaining your homeowners policy is a lot easier than working on your house. Here are some easy ways to keep your policy fresh and updated:

🔄 Update Updates: Have you updated your home? New bathroom? Kitchen? Home gym? Whatever it is, make sure that it's reflected in your policy.

📋 Count It: Don’t be like that 80s rock ballad, “Don’t Know What You’ve Got (Till It’s Gone).” Make a home inventory so that you know what you have in case of a loss.

👨‍👩‍👧‍👦 More To Lose: If you have more guests on your property, more children to protect, or a home business, you may need more homeowners liability or even business liability on a new policy.

Treat your homeowners policy with the same love and care you treat your home. And call or message us for help. You’re never alone when it comes to insurance. 🛡️