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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.