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How to Protect Your Home Against Different Types of Wind Damage

Wind damage can wreak havoc on your home, causing structural damage, roof leaks, and other costly repairs. At Valor Insurance, we’re committed to helping homeowners throughout the state of Pennsylvania safeguard their homes against wind-related risks. Here are some tips to protect your home:

Reinforce Your Roof

Your roof is the first line of defense against wind damage. Ensure your roof is in good condition by conducting regular inspections and promptly addressing any loose or damaged shingles. Consider reinforcing your roof with hurricane straps or clips to provide additional support during high winds.

Trim Trees and Branches

Overhanging tree limbs can pose a significant risk to your home during strong winds. Trim trees and branches near your home to reduce the risk of branches breaking off and causing damage to your roof or windows. Regular tree maintenance can help mitigate the risk of wind-related accidents.

Secure Outdoor Items

Secure outdoor furniture, grills, and other loose items that could become projectiles during a windstorm. Anchor or store these items indoors during periods of high winds to prevent them from causing damage to your home or neighboring properties.

Install Impact-Resistant Windows and Doors

Consider upgrading to impact-resistant windows and doors to protect your home against wind-driven debris. These specialized windows and doors are designed to withstand high winds and flying debris, reducing the risk of damage to your home’s interior and occupants.

At Valor Insurance, we’re here to help you protect what matters most. Our experienced agents can assist you in assessing your home insurance needs in Pennsylvania, Tennessee, and Colorado, reviewing coverage options, and securing a policy that provides comprehensive protection against wind-related risks. Call now to obtain an estimate for a new home insurance policy.

Three Different Ways to Ensure Your Home is Insured to Its Total Value

You are required to have homeowner’s insurance in most cases on your Easton, PA home. Are you sure that your house is insured up to its total value? A financial disaster is looming on the horizon for you if your home isn’t properly insured. Imagine the costs that could accrue if you have to pay for massive flood damage out of pocket. 

Here are three tips for home insurance:

1. Review it Constantly

Too many Easton, PA homeowners make the mistake of getting a policy and never updating it for the entire period they own their home. You should review your homeowner’s policy at least bi-annually if you want to keep it up to date. Things change over time when it comes to your home’s value and what’s included in your policy. 

2. Stay On Top of Remodels

You are bound to update your home in some way as time goes by. You might remodel your kitchen and bathroom. You could add a brand-new roof or build an unattached garage on your property. No matter what you do, you should inform your insurer immediately to include it in your policy. Make sure you have it included in case anything happens while the work is being done. 

3. Make Sure You Have Liability Coverage

You need to have proper liability coverage for your home and your property. Things can happen while your kids have friends playing in the yard or a party in the backyard. Proper liability coverage protects you and your family from lawsuits in the event of damages or an injury that occurs on your property. 

Valor Insurance Is Here To Help

At Valor Insurance, we help each of our clients get the proper coverage for their Easton, PA home and their property. Contact us today if you have any questions about your homeowner’s policy. We’ll make sure you’re fully protected. 

Understanding Your Policy: A Guide to Reading Home Insurance

When it comes to home insurance, many residents in Easton, PA don’t realize the investment they’re making. While you understand that home insurance is necessary for financial protection, there are many different aspects that can be confusing for many. At Valor Insurance, we want to make it easy for our customers to understand their policies. This guide helps you understand what you need to know.

Declarations Page

The first thing you should understand is the declarations page. Essentially, it’s an overview of your home insurance policy. It will summarize details about your coverage (i.e., dwelling, personal property, deductibles, premiums, and possible discounts).

At the top, you should also see your name and address and the policy period. Since they typically last a year, the dates will reflect that length of time accordingly. The mortgage lender will also be listed somewhere on your policy. They might have specific requirements about what coverages are needed depending on where you live.

Perils Your Policy Covers

Part of having a home insurance policy is knowing what is covered in an unexpected event. Your home insurance policy can list different examples of different perils that you would have protection for. Some examples include the following:

  • Natural disasters like lightning or tornado
  • Smoke damage
  • Theft
  • Vehicle damage
  • Vandalism
  • Someone else injured on your property

Noted on your policy will also be exclusions or examples of what isn’t covered by your policy. For instance, general wear and tear to the property, like carpet or appliances, will not be covered. 

Find Out More About Home Insurance In Easton, PA

Feel free to call Valor Insurance if you need to find out more about home insurance coverage or if you need to get an estimate. We look forward to helping. 

Top 3 Fire Prevention Tips for Homeowners

There are many layers to properly protecting your home. Insurance, security, and good safety habits all help to keep your home and family safe. Here are the top three fire prevention tips from the friendly insurance professionals at Valor Insurance serving Easton, PA and the surrounding areas. 

Top 3 Fire Prevention Tips for Homeowners 

Install Smoke Alarms 

If you do not already have smoke alarms installed in your home, do not wait another day to do this important fire prevention step. Smoke alarms are the best way to alert you and your family to a potential fire. Smoke alarms provide the best protection because they can alert your family before a fire has gotten out of control. Many communities will help families by installing free smoke detectors. Check with your local fire department to see if you can qualify for this service. 

Keep Alarms In Good Working Order

It is not enough to simply install fire or smoke detectors. You also need to test your alarms once a month and keep the batteries fresh. If alarms are not working properly, they will not alert you to a potential fire. 


This is might come as a surprising fire prevention tip, but keeping your home free from clutter can actually help to prevent the spread of fire. If a fire starts in your home, it needs and seeks out additional fuel. The more clutter that is packed into your home, the more fuel there is for a fire. Keep the clutter to a minimum to keep fire risks low. 

Give Us A Call

If you would like to learn more about home insurance or any of our other insurance services, contact us at Valor Insurance serving Easton, PA and the surrounding areas. We will be happy to answer your questions today and help you find the right home protection you need. 

Three things not to do when you are on the market for home insurance

It’s important to carefully consider your options and avoid costly mistakes when you purchase home insurance in Easton, PA. At Valor Insurance, we’re here to help you explore your options and choose the best home insurance policy for your situation.

The following are three things not to do when you are on the market for home insurance:

Purchasing the first home insurance policy you come across

It’s imperative that you explore the available options if you want to get the best policy available to you. Compare policy options and quotes between several providers in your area. 

Shopping around allows you to choose a home insurance policy that fits your budget while also offering you coverage that you can depend on if you eventually have to file a claim. 

Assuming that your home insurance policy will cover you for flood damage

First-time homebuyers who are purchasing a property for first time might not realize that standard home insurance doesn’t include flood damage coverage. Flood insurance has to be purchased separately if you want to be covered for flood damage to your home. 

Failing to purchase adequate coverage for your home

If you purchase inadequate coverage, your finances could be at risk.

The value of your property is an important factor when determining how much dwelling and personal property coverage to carry. Your net worth is an important consideration when you’re deciding how much liability coverage to purchase. Make sure you carefully consider these factors when deciding how much coverage to buy. 

Contact Us Today

If you have questions about home insurance in the greater Easton, PA community, we’re here to answer them at Valor Insurance. We’ll be happy to provide you with the information you’re looking for about our policy options. Get in touch with us when you’re ready for a quote on a home insurance policy. 

I Have A Mortgage, Does My Lender Require Me To Have Home Insurance?

Most mortgage lenders require borrowers to have homeowners insurance to protect their investments. Although the type and amount of coverage required vary from lender to lender, all mortgages come with some level of home insurance requirement. Valor Insurance in Easton, PA  can provide expert insurance advice on this important coverage.

Here we discuss whether your mortgage lender requires home insurance.

Does Your Mortgage Lender Require Home Insurance?

The main reason mortgage lenders require home insurance is to protect their investment. If something were to happen to your home, such as a fire or severe weather damage, the lender would want to be sure that their investment is protected.

Home insurance gives you peace of mind knowing that you and your lender are protected in the event of a disaster. With Valor Insurance, located in Easton PA, you can be sure that you’re getting the best possible coverage for your home.

How Much Home Insurance Coverage Does Your Mortgage Lender Require?

Your mortgage lender wants to ensure their investment is protected in case of any disasters. That’s why they require you to have home insurance. The thing is, the amount of coverage they require can vary.

Generally, your lender will require you to have enough coverage to rebuild your home if it were completely destroyed. They may also require you to have a certain amount of liability coverage in case someone is injured on your property.

The best way to determine how much coverage your lender requires is to speak with them directly. They’ll be able to give you the specific details of what they need.

Once you know how much coverage your lender requires, you can start shopping for a policy that meets those needs. Be sure to compare rates and coverages from different companies before making a decision.

Contact Us Today

As you can see, most mortgage lenders require borrowers to have homeowners insurance. This is to protect their investment in case of any disasters that may occur.

The amount of coverage required can vary from lender to lender. It’s important to speak with your lender directly to find out how much coverage they require. Once you know the amount of coverage you need, get in touch with Valor Insurance in Easton, PA to get started on your home insurance policy.

Things that aren’t covered by home insurance

Your home is the center of your life and family. Making sure it is covered for any hazard gives you peace of mind. Home insurance offers a lot of protection from some of the most common threats, including fire, theft, and storms. But, home insurance has exclusions, things it doesn’t cover. If you want to have true peace of mind, you need to know what these hazards are and decide if additional coverage is required. In Easton, PA, you can count on Valor Insurance to create a long-term relationship built on trust. 

Lack of maintenance

As the homeowner, you have the responsibility to maintain your home. If you get infested with terminates, your home insurance won’t pay for the necessary repairs. As a homeowner, it is your responsibility to get your home treated for termites if you live in an area where the risk is present. If a branch from a tree falls on your home due to the tree being in poor health, it is your fault, and the insurance won’t reimburse you. In other words, take care of your property. 


Floods can happen almost anywhere, and the sad truth is home insurance doesn’t cover flood damage. While this is not good news, there is good news. Flood insurance is available from the NFIP (National Flood Insurance Program), and if the risk of flooding is present, you can add this policy to your portfolio. 

Expensive jewelry

Standard home insurance policies have minimal coverage for loss or theft of jewelry. You likely don’t have adequate coverage if you have a nice engagement ring. You can add a jewelry rider to your policy to ensure you have enough coverage to feel protected. 

Contact Valor Insurance in Easton, PA, for any insurance needs you have.