It is always a good idea for those who are in the Tuscaloosa, AL area to get proper insurance. If you are a property owner in this area, this will extend to having the right home insurance in place. There are a lot of advantages that do come when you have this type of insurance in place when you own your own property in this area.  Receive Coverage for Assets A top advantage that will come when you do have home insurance is that you will obtain coverage for your assets. Your home is a very valuable asset that needs to be protected as well as you can. At the same time, you likely will own ..read more

So, you’ve just bought a vacation home. Congratulations! Owning a property devoted to your relaxation is a dream come true for most homebuyers, but it’s essential you choose the right home insurance policy so you have coverage and peace of mind that your home is protected from unexpected events. Assess Any Potential Risks Assess the risks of the location and property. What are the weather patterns of the area? Is the home in a potential flood zone or vulnerable to storms or wildfires?  Many people rent out their vacation homes to make some extra money. If you decide to rent out your home ..read more

If you’re a homeowner, you’re probably always looking for ways to save money. And if you’re like most people, you might wonder if your home insurance is tax deductible. Baldo-Downs Insurance LLC in Tuscaloosa, AL can give you general advice, but we recommend talking to a tax professional about your specific situation. While there are some exceptions, in general, most homeowners in Alabama can deduct their home insurance premiums on their state income taxes. There are a few things you need to keep in mind: First, your policy must be effective on or after January 1st of the tax year for which yo ..read more

You get home insurance to protect your home. You may think you are completely safe, but the truth is, home insurance doesn’t cover everything that can happen to your home. Homeowners in Tuscaloosa, AL can count on Baldo-Downs Insurance LLC to give them the advice they need to make an educated decision regarding home coinsurance overage. Independent insurance agents work for their customers, not for one insurance company, and they have many carriers for you to choose from.  Things that home insurance won’t cover Earth movement Earth movement is exactly what it sounds like. The earth m ..read more