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JM Insurance Group

What is Service Line Coverage?

What is Service Line coverage, and why should you ensure your policy has it if available? 🏡🔧🌱

This coverage can be endorsed on most Home policies and offers coverage for the repair or replacement of the lines leading up from the road to your home! Most of the time if a line is damaged or needs to be replaced, you are on the hook for it as a homeowner.

This cost-effective endorsement typically costs less annually than the coverage that utility companies offer, and it will cover things such as water, sewer, gas, power, and internet lines leading to the home. Most policies range from $10,000-$20,000 in coverage depending on your carrier!

Let us know if you have any questions! We can get into specifics by delving into your policy if you are interested. 😀 (406-534-8008)

#themoreyouknow #homeinsurance

Fungus among us? Not if we can help it!

What steps can you take to prevent mold growth in your home? 🦠 🫟 Avoid keeping spaces stuffy! Run fans while using the shower or kitchen, and open windows to provide a breeze. 🫟 Keep an eye on plumbing, roofs, and gutters often. If you have a leak, take steps to prevent water from pooling/fix the damage as best as you can within the first 48 hours to have the best chance of avoiding microbial growth. 🫟 Keep air flowing!

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Wind/Hail Deductible Cost Options

Do you have a high wind/hail deductible on your home policy? We have options! 💨 There are plans called Deductible Buyback plans that pay an amount towards your deductible. These plans usually come at a yearly cost, and can help lessen the financial strain on your wallet when it comes to the out of pocket expense tied to filing a claim. Call us today at 406-534-8008 to learn more!

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Wind Storm Damage Minimization

Check out this guide from FEMA that details how to secure your property before sever winds occur! https://www.fema.gov/sites/default/files/2020-11/fema_protect-your-property_severe-wind.pdf

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Prevent Banking Fraud

Stay alert, prevent banking fraud before it happens! **Beware of Phishing** DO NOT click on links or respond to any messages that come from an unknown source. If you suspect your bank sent you a message, call or use their online portal to confirm first. **Do not use public Wi-Fi** Avoid using public Wi-Fi for banking transactions, as it is less likely to be secure than using your mobile data. Do not access personal information or websites on public networks.

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Pet Insurance

Did you know that we offer pet insurance for your furry friends? 🐶🐱 We have plans that range in level of reimbursement/price! Give us a call today to get quotes. 🐾 #petinsurance

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