If you live in Memphis, TN, you probably do not have to deal with the harsh temperature changes that many of your neighbors up north experience every year. However, there are seasonal changes that could potentially affect your home and home insurance, and it would certainly behoove you to be aware of them. As such, it would be very helpful to go through your home insurance policy this time of year, as it will remind you of things you should pay attention to in order to avoid uninsured damages.

You will want to make sure that you get rid of any dead vegetation on your property. It could increase the risk of fires if the weather is dry, and it could clog up the gutters and cause water backup issues in your drainage systems if the weather is rainy. Also, insects and animals are going to be seeking refuge from the cold in indoor spaces, which could include your home. You should keep this in mind and do what you can to keep the pests out of your home. You should also make sure that you are prepared for the winter and that the heating systems are efficient; if they are not, you could end up wasting a great deal of money. You should also make sure that the home is well insulated and that the windows and doors are sealed well, so that heat does not escape. Make sure that your pipes are in good working order as well, so that the damage itself doesn’t cause you money, and you do not lose heat that way.

If you want to know about what the autumns of Memphis, TN mean to you in terms of home insurance, you should feel free to contact the professionals at Keltner Insurance for all of the information you need. The agents at Keltner Insurance will be willing to answer any questions you may have and give you all of the help you need.

No one likes to pack before a move and no one likes to unpack it either. However, the packing part may be more difficult to some people. If you are about to move and need to start packing up your home, there are some easy ways to make the entire process easier for you. It will also help to make the unpacking process a lot easier as well. Before you move into your new home, read these tips on packing and contact us at Keltner Insurance for all of your homeowners insurance needs. 

1. Make a first night box. Once you have moved into the new home, you do not want to spend all night looking for your toothbrush in all of the boxes. Instead, while packing, make sure you make a box filled with things you will need the first night. This will include things like toiletries, towels, basic clothes, pillows, and blankets to sleep on. After moving, you will need all of these things and probably will not want to unpack the house to find them.
2. Label your boxes and take inventory. If you keep track of the boxes, what they have in them, and label them, it will be a lot easier to find what you need and unpack things in an organized fashion. Make sure you take the time to label the boxes so that the unpacking process does not take long and you do not run the risk of getting frustrated. Color coding boxes is also a good idea. You can use color coded stickers to label boxes that should go into specific rooms. That way you will have all of the boxes in the rooms they belong in on the day you move. This makes everything a bit easier when unpacking.