Cranston Homeowners Insurance
Cranston homeowners insurance policy holders have the advantage of living in a highly-regarded area of New England, and a town with consistently strong showings in many 'best places to live' surveys in Rhode Island and nationwide. There are plenty of stately, beautiful homes that are available on the market for you, the potential New England home owner.
The homeowners insurance rates reflect this, as Cranston homeowners insurance policies average close to $900 per month. You and your family are looking for a quiet home in a New England town near a major city (Cranston is near Providence). So what do you need to know to get a good return on your investment?
There are many things you, as a potential Cranston homeowners insurance policyholder, need to be aware of if you plan to move the family to Rhode Island. (It has nothing to do with the perils of being a New York Yankee fan in RI, by the way.) Think more along the lines of flood insurance and the costs of winterizing a home. If you're moving from, say, New York State or another city in the RI area, then you should be already aware of these costs. For those not familiar with the potential Rhode Island house insurance troubles of moving to a Northeast city, here's some info about them.
Trouble in Paradise: Flooding and Cranston
So you've decided to pack up and move the family to become one of many new homeowners in Cranston. Perhaps you've found that the nationwide surveys are correct. Cranston has got that small-town feel, and you and the family feel comfortable here already. As with any possible destination, there could be trouble in paradise, however. The city is situated near the Pawtuxet River, and sits only 11 feet above sea level, so there is possibility for serious flooding and problems with your Cranston homeowners insurance policy.
Historically, the Pawtuxet River hasn't been a danger to Cranston homeowners insurance holders. But the potential for trouble is always there. Most Cranston homeowners insurance policies don't automatically come with flood policies. However, a quick peek on our website will give you a list of possibilities to obtain the necessary flood insurance. It may come in handy, just in case the Pawtuxet River acts up unexpectedly and plays havoc with your policy.
Make sure that you budget for flood insurance as part of any homeowners insurance costs. You'll be a happy homeowner if you do. While the possibilities are not as high as other places nationwide, the adage 'better safe than sorry' fits like a glove here.
Old Man Winter and Rhode Island
There are other things that any good Cranston homeowners insurance policyholder should be aware of. If you're not moving from another Northeastern city and used to brutal winters, the added cost of winterizing your home may surprise you and other novice instant homeowners insurance policyholders. Here's a few tips on how to get a good deal to make it easier to stay warm during the brutal New England winters.
The first thing you need to do is have an inspector look over your potential home before you buy and close the sale. Woe be the inexperienced homeowners who are unaware of the hidden costs of insulation and other winter necessities. Once you've bought the house, been appraised of what needs to be done and satisfied with the costs, you can start working on staying warm.
While spring and summer are always frustratingly short in the Northeast, it's a good time to take care of work in and around the house. Let's face it, do you really want to reseal your bedroom in the middle of January? Didn't think so. Save that time-consuming work for short-sleeve weather. Sweating is still better than catching a cold. Besides, that cool drink afterwards will feel wonderful going down.
There is a whole laundry list of things that you and other Cranston homeowners can do during the rest of the year to prepare for Old Man Winter's months-long stay in the general RI area. As mentioned above, you can take a look around the house to see where air leaks are - under doors, bedroom windows - and caulk spots wherever necessary. If you've bought an older Cranston home, there's a good chance you have a chimney somewhere on the property. Make sure it gets cleaned out before you use it to protect you and your family from that potential fire hazard.
If you follow these tips to protect your family from seasonal and other weather hazards, you'll be a happy Cranston homeowners insurance policyholder. It'll be one less thing to worry about, and you can enjoy the spoils of Cranston without having those distractions over your head. Even if you are a Yankee fan.