November 2024 Personal Lines Newsletter

Please note the following November office closures:

• Wednesday, November 20th – Closed for off-site Agency Planning for 2025.
• Thursday, November 28th, and Friday, November 29th – Closed for Thanksgiving so our team can spend quality time with their families.

With the season of gratitude upon us, we at Huff Insurance are thankful for the chance to serve and protect you.

November is a time to reflect on what truly matters, and we want to express our sincere appreciation for your trust in us.

As we remember Veteran’s Day, honoring those who serve, and look forward to Thanksgiving, we’ve also got some exciting updates and insurance tips to share that will help you stay protected as winter approaches.

Winter is Coming: Ensure Your Home is Protected!

Roof Coverage Settlement Options

Why accurate appraisals matter for your valuable jewelry

Spread the Warmth: Huff Insurance Clothing Drive

Benefits of Using an Independent Agent

Huff Insurance Happenings!

Winter is Coming: Ensure Your Home is Protected!

Winter is Coming: Ensure Your Home is Protected! 🏠

The winter months bring festive gatherings but also unique risks to your home, like freezing pipes and icy sidewalks. Taking a few steps now can help keep your home safe and prevent costly insurance claims. Here’s what to consider:

• Pipe Insulation: Prevent freezing by insulating pipes and keeping your thermostat steady.
• Roof & Gutter Checks: Clear any blockages to prevent ice dams and potential leaks.
• Sidewalk Safety: Keep walkways free of ice to reduce slip risks for guests and family.

👉 Read more on winter home prep: Prepare Your Home For Winter To Prevent Disasters

Roof Coverage Settlement Options

When it comes to roof damage, understanding your insurance settlement options is essential to avoid surprises during a claim.

This article from Huff Insurance explains the differences between Actual Cash Value (ACV) and Replacement Cost Value (RCV) coverages, so you can make an informed choice that best fits your needs and budget.

When you are comparing insurance policies, this is a major area to pay attention to.  Not knowing which option your policy offers could cost you thousands of dollars at claim time.

Learn how each option impacts your claim payout and potential out-of-pocket costs.

Read the full article to protect your investment and avoid costly mistakes!

Why accurate appraisals matter for your valuable jewelry

Did you know that outdated jewelry appraisals could leave you underinsured?  Gold and other precious metals have recently hit an all time highs.

This article explains the importance of updating your appraisals to ensure proper coverage for your treasured pieces.

As market values fluctuate, regularly updated appraisals can safeguard against unexpected gaps in protection, helping you avoid loss in case of disappearance or theft.

Also, if you are planning on buying jewelry this holiday season, please inform us at the time you purchase the jewelry to ensure proper coverage.

Click here to read the full article and learn how to keep your jewelry properly protected!

Spread the Warmth: Huff Insurance Clothing Drive

This November, Huff Insurance is giving back to the community with our Spread the Warmth Clothing Drive! As the weather gets colder, we’re collecting coats, hats, gloves, sweaters, and blankets to help those in need stay warm this winter.

If you have any gently used or new items to donate, please drop them off at our office by November 30th. Let’s work together to spread some warmth and make a difference in the lives of those less fortunate. Every donation helps!

Benefits of Using an Independent Agent

Using an independent insurance agent like us at Huff Insurance offers real advantages.

We work with multiple providers, so we can deliver quotes that are truly tailored to your needs. Unlike agents tied to a single company, our approach centers on personal service, expert guidance, and support for unique or specialized coverage.

We’re here to adjust your policy as life changes, ensuring you’re always covered. Explore how we make insurance simple and reliable.

Read the full article here

Huff Insurance Happenings:  

We’re here to help protect your family, home, and future—and we look forward to continuing to serve you.

Wishing you a safe, happy, and thankful November!

Best wishes,

Nancy Nicklow
President

P.S. Did you know? Alongside personal insurance, we also offer business insurance, including coverage for home-based businesses like clothing boutiques, craft shops, and more.

We recently attended the Chesapeake High School Craft Fair, with over 300 vendors—many of them home-based—and couldn’t help but think about how many may not have the right coverage. If you’re running a business from home, reach out to see how we can help protect it!