When the summer sun turns up the heat, it’s not just your electric bill that spikes—extreme temperatures can take a serious toll on your home, belongings, and finances. At Combined Insurance Service LLC, we want to make sure you’re protected when the temperature rises.

Here’s how to keep cool and covered:

🏠 A/C Breakdown? Know Your Coverage.

Most homeowners insurance doesn’t cover normal wear and tear on your air conditioning system. But if your system is damaged by a covered peril—like a power surge or storm—you may be eligible for help. You might also consider adding a home warranty or equipment breakdown coverage to avoid out-of-pocket repair bills.

⚡ Power Surges & Electrical Damage

Summer storms and grid strain can cause power surges that damage electronics or appliances. Double-check if your homeowners policy includes personal property protection for items like TVs, computers, and kitchen appliances.

🌧️ Weather-Related Damage

Heatwaves often come with severe weather: lightning, hail, or even wildfires. Review your policy to ensure your dwelling coverage is up to date and that you’re not underinsured.

🌿 Landscaping & Fire Hazards

Dry grass and trees increase fire risk. While landscaping is typically not fully covered, damage from fire to fences, sheds, or detached structures might be—but only if your policy includes it. Let’s go over your options together.

🧊 Pro Tip: Freeze It Before You Leave

If you’re heading out of town, keep your A/C running at a moderate temp and unplug major electronics. This helps avoid mold growth and electrical issues during a heat wave.

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Need help reviewing your coverage before the next heatwave hits?
Call 816-847-1911 or send us a message on Instagram or Facebook @CombinedInsuranceServiceLLC. Let’s keep you and your home safe all summer long.