There could be several reasons why the cost to cover your home has gone up this year. Here are some possible factors that could contribute to an increase in insurance premiums:

Inflation: Insurance premiums are influenced by the overall increase in prices and the cost of goods and services due to inflation.

Construction Costs:  If the cost of building labor or other factors relevant to your home insurance policy has increased, it can lead to higher premiums.  The past year or so has seen historic rises in construction costs. 

Changes in coverage: If you’ve made modifications to your insurance policy, such as adding additional coverage options or increasing coverage limits, your premium will likely increase to reflect the expanded coverage.

Local factors: Insurance premiums can be affected by local factors such as the increased exposure from climate – related perils such as wildfires and severe weather events in your area. 

Reinsurance costs: As general costs increase and natural disasters become more frequent in certain areas, the cost of reinsurance (insurance for the insurance company) increases, adding to the general overhead costs. 

It’s essential to review your policy documents or contact your insurance provider directly to understand the specific reasons for the increase in your home insurance premium. They can provide detailed information and help you make informed decisions about your coverage.

When it comes to summer heat safety in and around your home, it’s essential to keep yourself and your loved ones protected from the potential risks associated with high temperatures. Here are some tips to ensure a safe and comfortable summer:

Stay hydrated:

Drink plenty of water throughout the day to stay hydrated, especially during hot weather. Avoid excessive consumption of alcoholic or caffeinated beverages as they can contribute to dehydration.

Use fans and air conditioning:

If you have access to fans or air conditioning, make sure to use them to keep the indoor temperature cool. Ceiling fans or portable fans can help circulate air and create a breeze, while air conditioning units can provide relief from the heat.

Keep windows and curtains closed:

During the hottest parts of the day, keep windows and curtains closed to prevent hot air from entering your home. Once the temperature outside drops in the evening or early morning, open windows to let in cool air and create cross-ventilation.

Create shade:

Use shades, blinds, or curtains to block out direct sunlight and reduce heat gain inside your home. Consider installing exterior shading devices, such as awnings or sunscreens, to prevent heat from penetrating windows.

Avoid strenuous activities:

Engaging in intense physical activities during extremely hot weather can put additional strain on your body. If possible, reschedule outdoor activities for cooler times of the day, such as early morning or evening when temperatures are lower.

Check on vulnerable individuals:

 Keep an eye on infants, young children, elderly individuals, and those with chronic health conditions who are more susceptible to heat-related illnesses. Make sure they stay cool and well-hydrated.

Stay informed:

Stay updated on local weather forecasts and heat advisories to be aware of potential heatwaves or extreme temperatures. This information can help you plan your activities and take necessary precautions.

Have a backup plan:

In case of a power outage or air conditioning failure, have a backup plan to stay cool. Identify places nearby, such as libraries, community centers, or shopping malls, that have air conditioning and can serve as temporary cooling spots.

Be prepared for emergencies:

 Have an emergency kit with essential supplies, including first aid items, a battery-powered fan or hand-held fan, extra water, non-perishable food, and a flashlight in case of extended power outages or other emergencies.

Remember, heat-related illnesses, such as heat exhaustion or heatstroke, can be dangerous. If you or someone you know experiences symptoms like dizziness, nausea, rapid heartbeat, confusion, or fainting, seek medical attention immediately.

To get a quote or discuss how we can help you with choosing your home insurance provider, call us at (800) 234-2103 or get a free 30 second quote on westernmutual.com.