The birds are chirping, the days are getting longer, and warmer temperatures are on the breezes. That could only mean one thing: Spring is arriving. And with it, there are exciting things you need to do with your yard. Here are some key ways you can get your yard ready for spring, courtesy of M&K Dignum Insurance Agency Inc. serving Albany, NY.

Getting Your Yard Ready for Spring

Weed and trim

Out with the old and in with the new. Trim all trees and other foliage as needed. Also weed areas such as where there are plants and shrubs.

Planting a garden

Get out there and plant your seeds for a thriving vegetable garden. Or you can plant small vegetable plants that you can buy from a gardening store. Either way, in seemingly no time you will have delectable vegetables to enjoy all season and preserve for the winter. Also, consider adding compost to your yard.

Planting landscaping

You can also get creative by planting new landscaping in your yard. That could take the form of bushes, shrubs, trees, and more. Consider updating your lawn as needed. You might want to add a water feature like a small pond or fountain too.

Cleaning and maintaining deck and sidewalks

For warm-weather entertaining and relaxing, think about cleaning and maintaining your deck or patio. Or add a deck or patio if you do not already have one. Also, do whatever work is necessary to keep your sidewalks and other walkways in great and safe shape. You might need to hire professional companies to handle some of those projects.

Get organized and creative, and then tackle these fulfilling projects. If you need any further details on keeping your yard in tip-top shape, including when it comes to safety, feel free to contact M&K Dignum Insurance Agency Inc. serving Albany, NY.

Winter in the Northeast United States brings freezing temperatures and severe weather. Residents can face blizzards, ice storms, and more, and New York often sees several inches of snow throughout the season. Take steps to stay safe and protect your property this winter. We at M&K Dignum Insurance Agency Inc. have been providing home insurance coverage to the Albany, NY community over the years, and we can assist with all related concerns. 

What Are The Best Ways To Prepare Your Home For Winter Storms? 

While winter storms are part of life for Albany, NY residents, you can take steps to prepare. Below are some suggestions to make sure you’re ready for winter storms. 

• Before winter strikes, repair your roof and gutters. Heavy snow can put pressure on already damaged roofing. Make sure all gutters are clean and your roof is free of leaks and undamaged. 
• Insulate any exposed pipes to prevent them from freezing. Frozen pipes can burst and cause water damage. 
• Install weather stripping and insulation to keep the weather out and heat in. 
• Warm, dry conditions caused by heaters and fireplaces can cause fires. Make sure all smoke detectors are working. Replace their batteries.
• Snow-clogged chimneys and vents can cause carbon monoxide poisoning. Check your carbon monoxide alarms and replace batteries. Be sure they’re functioning correctly. 
• Invest in a quality home insurance plan from an established firm, such as ours at M&K Dignum Insurance Agency Inc.

Do You Need Home Insurance in New York? 

While different states and cities have specific requirements for insurance minimums, carrying home insurance is vital to protect your investment. Without home insurance, homeowners may be unable to afford home repairs following a severe winter storm. You should carry a policy that meets your needs, even when not legally required. 

Give Us A Call

Reach out to us at M&K Dignum Insurance Agency Inc. today and speak with one of our agents. Our experienced agents know your area’s policies and will help you choose the proper protection for your home and family.

If you’re renting out a room in your house in Albany, NY, you may be wondering if you need to change your home insurance. Unfortunately, there’s no consistent answer because home insurance policies differ widely on this one. Sometimes policies from the same insurance company even differ, so be careful about googling for an answer.

We recommend checking in with a qualified insurance agent at M&K Dignum Insurance Agency Inc. agents to see what your policy covers before renting a room in your house. That doesn’t mean you can’t get a roommate, but you may need to purchase additional coverage or a separate policy if you want to be sure that you’re covered. 

To determine the best coverage, here are some things to keep in mind when renting out a room:

• Does my current policy cover roommates?
• Do I need to purchase additional coverage or a separate policy?
• What kinds of things will my new policy cover?
• How much will it cost to add this coverage?

Get The Right Insurance Coverage For Your Needs Today

There’s no one-size-fits-all answer when it comes to changing your home insurance policy if you’re renting out a room in Albany, NY. It depends on your insurance company and your policy. Some policies cover roommates, and some don’t. It’s a good idea to check with M&K Dignum Insurance Agency Inc. to see what your policy covers before renting a room in your house. You may need to purchase additional coverage or a separate policy if you want to be sure that you’re covered. 

Your home is under construction. You’ve put a lot of time and money into it, and you don’t want anything to happen to it.

But what happens if something does go wrong? How do you insure your home during construction?

M&K Dignum Insurance Agency Inc. in Albany, NY can assist you in navigating important insurance coverages. Here we discuss how to protect your investment by insuring your home during construction.

Get Builder’s Risk Insurance

There are a few different ways to insure your home during construction in Albany NY. The most common way is to purchase what is known as a builder’s risk policy from M&K Dignum Insurance Agency Inc. This type of policy will protect your home from the damage that may occur during the construction process. Builder’s risk policies typically cover things like fire, wind, and hail damage. It’ll also usually cover theft of materials from the job site.

Get Homeowners Insurance

Another way to insure your home during construction is to purchase a homeowner’s insurance policy. This type of policy will protect your home from the damage that may occur after the construction process is completed. Homeowner’s insurance policies typically cover things like fire, wind, and hail damage. It’ll also usually cover theft of personal belongings.

Get Warranty Insurance

Another way to insure your home during construction is to purchase a warranty policy. This type of policy will protect your home from the damage that may occur after the construction process is completed. Warranty policies typically cover things like defects in workmanship or materials. They will also usually cover repair or replacement costs if something goes wrong with the home after it is built.

Give Us A Call

For more expert insurance advice, please feel free to contact us at M&K Dignum Insurance Agency Inc. in Albany, NY.

We’ll be happy to help you insure your home during construction.