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First Independent - Descamps Insurance Agency Blog: home insurance

View the latest blog posts from First Independent - Descamps Insurance Agency.

Most young children enjoy playing outside, and it's beneficial for them too. What looks like simply running and jumping is actually practicing motor skills essential to development. Many parents decide to invest in an outdoor playset for the backyard, as it not only provides children the opportunity to get exercise, but will entertain them for hours. READ MORE >>

Before you know it, we will be experiencing those hot, humid days of summer, which often bring intense rain and thunderstorms. Even if you don't live in an area that typically gets regular summer storms, it only takes one big one to move through and do some damage to your home and property. READ MORE >>

When you get a mortgage on your home, the lending company requires proof of insurance for the property because they are interested in protecting their investment.  Regardless, you should also have homeowners insurance on your home to protect you in the event of a catastrophic event such as a fire, windstorm, hail or even a flood. READ MORE >>

Summer is here and you may be counting the days until you head to the mountains or the beach for a few days of R&R. Remember, your home security shouldn't be on vacation as well. You may have adequate home insurance protection, but there are things you can do to help protect your property and keep your insurance premiums at a minimum. READ MORE >>

No one likes to clean out gutters, but it’s a vital part of homeownership considering that gutters can accumulate over 200 pounds of debris each year. And, if you forgo the chore, you could be faced with much bigger problems, such as water damage, leaks and pricey gutter repairs/replacement. READ MORE >>

Apart from very specific factors, most insurance companies will use the following factors when considering what rate to charge you for your home insurance. Age of home - If you have a new home, you can usually qualify for discounts.  READ MORE >>

As an independent agent, we write with many different carriers ensuring you the best coverage at the best rates. We work for you, not the insurance company. Auto Insurance Michigan law requires no-fault insurance. READ MORE >>

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