Dealing with a theft or burglary at home in the Senatobia, MS, region can be overwhelming. Fortunately, home insurance can help cover the loss of stolen belongings and damage to your property.

Evaluate the Damage and Loss

Once you discover a theft or burglary, prioritize the safety of everyone in your home. After ensuring everyone is safe, assess the damage by documenting everything thoroughly. Take clear photographs and videos. Include descriptions, estimated values, and identifying details supporting your claim.

Report to Law Enforcement

Provide the authorities with all relevant details, including the items stolen and any damage to your property, by filling out a police report. Keep a copy of the police report for your records and submission to your insurance provider.

Notify Your Insurance Company

Inform your home insurance provider as soon as possible after the incident. Submit all relevant documentation, including the police report, photos, videos, and your stolen item inventory. Be ready to provide detailed information about the incident, the losses incurred, and the value of the stolen items.

Cooperate with the Claims Adjuster

A claims adjuster will handle your case. The adjuster will evaluate your documentation, assess the damage, and verify your losses. Fully cooperate with the adjuster, providing any additional information they may need. Their assessment will determine the amount of compensation you receive.

Settling the Claim

After the adjuster’s evaluation, your insurance company will process the claim and present an offer. Negotiate or submit additional evidence to support your case. Once a settlement is agreed upon, the insurer will issue payment, helping you recover from the incident and replace stolen items.

Storey Insurance Is The Go-To Insurance Company

Storey Insurance offers our expertise regarding your insurance needs. We serve the surrounding areas of Senatobia, MS. Call today.

You know that finding the right insurance policy is important, but did you know that finding the right agent is also important? Finding the right agent makes it easier to find the right policy, and when you have to file a claim, that insurance agent will be there to help you through the process. 

At Storey Insurance, servicing Senatobia, MS, we help our customers find the right policy. We offer many insurance products through a variety of carriers, so we can help you find the best policy for your budget and needs. Below are two reasons why it’s important to find the right insurance agent when shopping for home insurance. 

Your Agent Will Help You Find the Right Policy

A good agent shops around with different insurance carriers to help you find a policy. During this process, your insurance agent will ask you about your insurance needs and listen when you provide information about your home, budget, and the level of protection you’re seeking. 

A Good Agent Will Be Responsive When Filing A Claim

A good agent is someone who gets back to you when you inquire about filing a claim. They’re fast to respond, and they prioritize your needs. When you have questions, they want to be there with answers. Since most people only file a claim after a disaster or stressful event, you want your agent to be as helpful as possible under these circumstances.  

At Storey Insurance, servicing Senatobia, MS, our agents are committed to ensuring that our customers get the type of home insurance policy that’s best for their needs. Find out what a difference it makes when you get home insurance from our agency. Call today. 

If you’re a Senatobia, MS homeowner, and you need to file a claim with your insurer for the first time, you might feel nervous and overwhelmed. However, the claims process doesn’t have to be daunting, and there are ways to increase your chances of accepting your claim. Here is an overview that can help make a stressful process much easier. 

Provide Adequate Documentation

Insurance companies need specific documentation to process claims. Ensuring that you provide all the required information upfront is important, as it can significantly increase your chances of having your claim processed quickly and approved. If you’re unsure what documentation is needed, your agent will happily provide you with a list. 

Be Honest & Responsive

Your insurance agent is going to want to speak with you and likely meet with you in person to assess the damage, depending on the type of damages you’re claiming. It is imperative that you answer all questions honestly and allow your agent access to your home if it’s necessary to process your claim. The more available you make yourself, the quicker your claim can be processed and hopefully approved. 

Filing a homeowner’s insurance claim is pretty straightforward. As long as you provide sufficient documentation, including photos, a police report, and other necessary information, there’s a good chance your claim will be approved. If you need a new insurance provider for the Senatobia, MS area, we at Storey Insurance are available. We go above and beyond to meet our customers’ needs and provide them with exceptional coverage and customer service, and we’re ready to do the same for you. Contact us at Storey Insurance today so one of our licensed insurance agents can provide you with a quote. 

 

Are you looking to buy home insurance from Storey Insurance for your Senatobia, MS house but aren’t sure how to balance your needs? Well, we’re here to help you better understand what’s available and to provide a unique and insightful look into your home insurance protection.

Know Your Options

When picking an insurance policy that makes sense for your needs, consider these types and add as many as you can afford:

• Dwelling Protection: Coverage A typically covers your main structure and attached items, such as garages or carports.
• Other Structures Support: This policy type (Coverage B) covers detached buildings on your property, including sheds and garages.
• Personal Property: Coverage C will protect you from personal property loss, including your furniture, clothing, and electronic items.
• Loss of Use: When you get Coverage D, you protect yourself if you have to leave a home during repairs, including payments for lodging. 
• Liability: No home insurance should be without Coverage E, as it helps to pay for lawsuits caused by injuries to other people in your home. 
• Medical Payments: Adding Coverage F lets you pay for medical expenses for people visiting: it differs from liability because that type protects you from lawsuits.

Calculate Important Rebuilding Factors

Your policy also needs to consider rebuilding costs that might impact you, including your home’s:

• Total square footage
• Style and architecture
• Rooms and bathrooms 
• Material types
• Roof style and materials 
• Trim, fireplaces, and other features 
• Customized additions to the facility 
• Costs of local builders and materials

We’re Here to Help 

With the help of our team at Storey Insurance, you can find home insurance policies that make sense for your Senatobia, MS home. Please don’t hesitate to contact us if you’re interested in this process, and we’ll ensure you get the support you need to keep your home safe.

Making your home a safer place to live can mean various things. It can mean making it safer inside or outside. At Storey Insurance in Senatobia, MS, we give our customers the information they need to decide on their home insurance coverage. We are independent insurance agents, which means we work for our customers and can offer more choices. 

Use your door and window locks.

Homes come with door and window locks for a reason. The locks can’t protect you from everything, but they can offer a measure of security. Window locks are the ones that are most often neglected. If you want an open window, ensure it has a safety device that only allows it to be open 6 inches. This allows air in and keeps people out. 

Keep your medication in a safe place.

If you are taking medication, whether prescription or OTC, make sure it is in a place where children or a confused older person can’t reach it, on a very high shelf, or where it can’t become an accidental poisoning issue. Even the most innocuous medication can be poisonous if taken in excess. 

Remove clutter

Clutter can be a trip hazard, and trips are one of the top dangers for injury in the home. Don’t pile things in hallways and on stairs, and make sure that both of these areas have adequate lighting. 

Avoid extension cords

You may not be able to avoid extension cords entirely, but if you must use them, ensure that you don’t run them across areas used as walkways. Tuck them behind furniture or use tape to keep them on the floor. 

When you are ready to discuss your home insurance coverage, call us at Storey Insurance in Senatobia, MS. 

Preparing your house for a storm is essential as the weather turns more extreme here in the Senatobia, MS area. Here are some tips from us at Storey Insurance to make sure your home is ready for whatever the elements bring: 

• Secure outside furniture and items: Make sure to bring any outdoor furniture or items inside that could be blown away or damaged by a storm. Additionally, you should secure any items that can’t be brought inside – such as grills, play sets, and trampolines – to help prevent damage. 
• Trim trees around the house: Before a storm hits, it’s important to trim any trees near your home that could pose a safety risk during bad weather. Strong winds can cause tree branches to break off and potentially cause damage or injury. 
• Check the condition of your roof: A strong wind or hail storm can damage roof shingles, so it is important to inspect your roof before bad weather arrives and ensure everything looks in good condition. If you spot any missing shingles or other signs of wear and tear, get them repaired immediately before trouble strikes. 
• Clean out gutters: Clogged gutters can become overwhelmed in heavy rains, which can lead to water accumulation near the foundation of your home which could potentially cause flooding and other damage. Be sure to clean out all of your gutters before a storm hits — this will help keep water flowing away from your home instead of towards it!

Following these tips ensures your house is adequately prepared for even the worst storms! For more information, give us at Storey Insurance a call today. We are proud to serve the Senatobia, MS area.

Looking for a comprehensive insurance plan that will cover all of your needs? When it comes to home insurance, you should have access to a wide range of policies that will protect your home in the event of property damage or financial losses. At Storey Insurance, we’re providing coverage for Senatobia, MS homeowners who want varied protection. Here, we’ll be going over the most common claims that homeowners look for when purchasing homeowner’s insurance. 

The Most Common Home Insurance Claims

Flood or Water Damage

Water damage tends to be on the more expensive side of things, with homeowners paying thousands of dollars in order to cover repair costs. Whether it’s floor wood damage or a major foundational crack, these types of issues need immediate restoration in order to maintain a well-functioning home. If you live in an area that’s prone to flooding or rainstorms, then you’ll need an insurance policy that covers these situations.

Lightning or Fire Damage

During a storm, your home will be vulnerable to lighting, fires, or other storm-related destruction. Storms can happen anywhere, whether it’s a hailstorm or a hurricane. Be sure to find an insurance plan that covers storm damage to your home.

Theft or Vandalism

Aside from perilous events, your insurance plan should be able to cover situations of robbery or vandalism. Search for an insurance policy that will provide claims for the possession and loss of your personal belongings. 

Ready to Make a Claim?

At Storey Insurance, we provide comprehensive insurance coverage for the people of Senatobia, MS. When you’re ready to design the right insurance plan for yourself, feel free to contact us at 662-689-0388. Our team will be happy to work with you. 

Anyone in the Senatobia, MS area will want to consider purchasing their own home. If you are a property owner in this area, it would be a good idea to also get the right insurance for it.

There are multiple reasons that people need to get a home insurance plan:

Comply with Lender Requirements

A reason that people in this area of Mississippi need to have home insurance is so they can comply with requirements set by their lender. If you intend to take out a mortgage, it is important that you understand all of the requirements in the agreement. More often than not, this will include requiring you to maintain insurance and even have escrows established to ensure compliance. Maintaining home insurance will keep you in good standing with this provision. 

Obtain Support and Protection

It is also a good idea to get a home insurance plan to obtain support and protection. Those that are going to purchase a home will also be taking on various risks. This can include the risk that their home and assets are damaged in a fire or by bad weather or that an accident occurs that results in a liability claim. If you carry a home insurance policy, it will ensure you have the support and protection you need in this situation. 

Contact Us Today

Owning a home in Senatobia, MS can be a great housing option. As you are looking to purchase a home, it would be a good idea to also get the right insurance for it. As you are looking for home insurance in this area, it can be wise to call Storey Insurance. Our team with Storey Insurance will offer the support you need to build a proper plan to ensure you are appropriately covered. 

Home insurance is one of those things that most of us know we need, but few of us actually understand. What exactly does home insurance cover? And what doesn’t it cover? This can be tricky to answer, as every policy is different. However, there are some general things that most home insurance policies will cover. Storey Insurance in Senatobia, MS can help you navigate this important coverage.

Home Insurance: What’s Covered and What’s Not

For starters, most home insurance policies will cover the structure of your home. This includes things like the walls, floors, and ceiling. It also typically includes any attached structures, like a garage or deck. If your home is damaged by fire, wind, or another covered event, your home insurance policy will help pay to repair or rebuild. Your policy will also usually cover personal belongings like furniture and clothing inside your home. If these items are damaged or destroyed, your home insurance policy can help you replace them.

In addition to the structure of your home and your personal belongings, home insurance typically provides liability coverage. This means that if someone is injured while on your property, your home insurance policy can help pay for their medical bills. It can also help if you are sued for damages.

Home insurance policies typically exclude certain types of damage, like flooding or earthquakes. These types of events usually require separate insurance policies. Home insurance also generally excludes intentional damage, like if you intentionally set fire to your home or vandalize it.

While home insurance can help protect your home and belongings, it’s important to remember that it has limits. Be sure to review your policy carefully to understand what is and isn’t covered. This way, you can be prepared if something happens.

Contact Us Today

One of the most important things to do when shopping for home insurance is to understand what your policy covers and doesn’t cover. Storey Insurance in Senatobia, MS can help you find the right policy for your needs and budget. Call us today to get started.

Owning a home is something that most people strive for and once they get there, it can be overwhelming—so many things you are supposed to know. Home insurance is one of those things. It would be great if they would offer a class in home insurance 101 to get you started. At Storey Insurance in Senatobia, MS, we know it can be stressful to buy a house and think about all the risks you face. We make sure you know we will be there for you all the way.  

Home Insurance FAQs

How much liability insurance is right?

Not everyone should have the same liability coverage for their home. It is not one size fits all. You need to measure your personal risk level and also your assets. The idea of liability coverage is to protect your assets. If you have more assets, you need more coverage. If you have more risks, you need more coverage. Talk to your independent insurance agent to determine the correct amount for you. 

What are some things home insurance won’t cover?

While home insurance does cover many things that threaten your home, it doesn’t cover some rather important ones. Home insurance doesn’t cover flooding and owner neglect, which includes termites, carpenter ants, mold, and rodent infestations. It also doesn’t cover earthquakes, landslides, mudslides, and sinkholes. Worst of all, if your sewer backups, you’re not covered. 

When should you review your home insurance?

Every year when your home insurance renews, you will get a declaration page that lists all your coverage. This is the ideal time to see exactly what your coverage is and if there is anything that needs to be tweaked. Is your liability coverage enough? Are you getting all the discounts you are entitled to?  Have you made an improvement that raised the value of your home?  Talk to your agent about your coverage. 

Contact Storey Insurance in Senatobia, MS for all your home insurance needs and questions.