How to safeguard your home and family as we enter hurricane season

Residents living on the East Coast of the United States are well aware of the devastation that a hurricane can cause. Even a hurricane making landfall a considerable distance away can cause significant damage from wind, rain, and storm surges. We operate as independent insurance agents at MSM Insurance Agency, Inc. in Kearny, NJ. This setup allows us to work not for one particular carrier but for our customers, offering them more choices at the best available rates.

The first measure to safeguard your home is ensuring you have the coverage you need. You may need an endorsement for high winds, and note that standard homeowner’s insurance policies never cover flooding. We at MSM Insurance Agency can help ensure that you have the protection you need. Read your home insurance policy to ascertain that it protects you to the degree you need.

You should plan an evacuation route in advance. In fact, having more than one route is advisable in case some roads are impassible. Ensure that everyone in the family knows the escape plan. Keep all your important documents in one place and in a waterproof container. This way, you can grab all essential documents without wasting time in an emergency. Ensure to include your home insurance policy information.

If you decide to weather the storm at home, make sure you have a generator and enough fuel to keep it running. Depending on its size, a generator can keep your frozen food supplies from defrosting, help maintain a comfortable room temperature and power essential appliances. Stock up on battery-operated lights and store plenty of drinking water and water for flushing toilets.

When you know a storm is on the way, ensure all your devices are fully charged.

If you have home insurance questions or need to review your coverage, contact MSM Insurance Agency, Inc. in Kearny, NJ.