Cozy Fires and Holiday Cheer: Protecting Your Lacey Home from Seasonal Risks

Posted on October 31, 2025October 14, 2025 by admin

As the holiday season approaches, Lacey homeowners are preparing for cozy nights by the fire, festive decorations, and gatherings with loved ones. While this time of year is full of joy, it’s also important to be aware of seasonal risks that could impact your home. Home insurance can be your safety net, ensuring that your holiday cheer isn’t interrupted by unexpected mishaps.

Fireplace Safety: Warmth Without Worry

Nothing beats the warmth of a crackling fire on a chilly Lacey evening. However, fireplaces can pose risks if not properly maintained. Creosote buildup in chimneys can lead to dangerous fires, and stray sparks can damage your home. Make sure to schedule a chimney inspection and keep flammable items away from the hearth. If an accident does occur, your home insurance policy can help cover repair costs. Johnson Insurance Agency is here to help Lacey residents understand their coverage and stay protected.

Holiday Decorations and Electrical Hazards

Twinkling lights and festive displays are a hallmark of the holiday season, but they can also lead to electrical issues. Overloaded outlets or damaged wires can cause fires, putting your home at risk. Lacey homeowners should inspect all decorations before use and avoid plugging too many items into a single outlet. If a fire or electrical damage occurs, your home insurance policy can help you recover. Johnson Insurance Agency can assist you in reviewing your policy to ensure you’re prepared.

Protecting Your Home from Winter Weather

Winter in Lacey often brings heavy rain and chilly temperatures, which can lead to roof leaks, frozen pipes, and other issues. Preparing your home for the season by cleaning gutters, insulating pipes, and checking for roof damage can help prevent costly repairs. If the unexpected happens, your home insurance policy can provide coverage for weather-related damage.

Enjoy the Holidays with Confidence

The holiday season should be a time of joy, not stress. By taking precautions and understanding your home insurance policy, you can protect your Lacey home from seasonal risks. Johnson Insurance Agency is proud to serve the Lacey community and help homeowners stay safe during the holidays. Contact us today to learn more about your coverage options and enjoy the season with confidence.

How to Inventory Your Home for Insurance Purposes in Lacey

Posted on April 30, 2025April 22, 2025 by admin

As a homeowner in Lacey, you’ve likely invested a significant amount of time and money into your home and its contents. But if disaster strikes, would you be able to recall every item in your home for insurance purposes? Creating a home inventory can make the insurance claim process smoother and ensure you get the most out of your policy.

Why a Home Inventory is Essential for Lacey Homeowners

At Johnson Insurance Agency, we understand the importance of a comprehensive home inventory. It not only helps you in the event of a loss but also aids in determining whether you have enough home insurance coverage.

Steps to Creating a Comprehensive Home Inventory

Creating a home inventory might seem daunting, but it doesn’t have to be. Start by choosing a method that works for you, such as a video inventory, a mobile app, or a simple spreadsheet. Document each item, noting its value, and keep any receipts or appraisals you have. Don’t forget to include items in your garage, attic, or basement.

Updating Your Home Inventory

Remember, a home inventory isn’t a one-time task. It should be updated regularly, especially when you purchase new items. At Johnson Insurance Agency, we recommend reviewing and updating your home inventory at least once a year or after significant purchases.

Using Your Home Inventory to Review Your Insurance Coverage

Once your home inventory is complete, it’s a good idea to review it with your insurance agent. This can help ensure you have enough coverage for your belongings and can highlight any items that might require additional coverage.

Understanding the Coverage of Valuables under Home Insurance in Lacey, WA

Posted on October 29, 2024October 29, 2024 by admin

When it comes to protecting your home and belongings, home insurance is a must. But what about those special items, the valuables that hold not just monetary value but sentimental value as well? Here at Johnson Insurance Agency, located in Lacey, WA, we understand the importance of ensuring your valuables are adequately covered.

What Does Home Insurance Cover?

Typically, a standard home insurance policy in Lacey, WA, covers the structure of your home, personal belongings, liability protection, and additional living expenses. However, there may be limits on the coverage for high-value items such as jewelry, artwork, antiques, and collectibles.

Valuable Items Coverage

Most home insurance policies have a certain limit for valuable items. If the value of an item exceeds this limit, you may need to purchase additional coverage, known as a rider or floater. This ensures that your valuable items are fully covered in case of theft, loss, or damage.

Getting Your Valuables Appraised

Before adding a rider to your policy, it’s important to have your valuables appraised. This will determine the current market value of the item and ensure you have enough coverage. Remember, the value of certain items like antiques and artwork can fluctuate over time, so regular appraisals are recommended.

At Johnson Insurance Agency in Lacey, WA, we’re here to help you understand your home insurance policy and ensure your valuables are adequately protected. Contact us today to learn more about our home insurance policies and how we can help protect your valuable items.

Protect Your House and Your Home

Posted on April 15, 2024April 2, 2024 by admin

Homeowners in and around Lacey, WA appreciate the value of home insurance, even beyond the dollars and cents. At the Johnson Insurance Agency, we also understand that home insurance is as much about protecting your home as it is about insuring a house. And that is one reason people turn to the Johnson Insurance Agency for the protection and peace of mind that home insurance offers.

More than Insurance for a House

Yes, a fallen tree can cause massive damage to a home. These can be pricey fixes, from repairing or replacing a roof to needing replacement windows and remodeling services.

Yes, flooding and storms can wreak havoc, and even liability concerns can be alleviated with the proper protection for your house. Still, home insurance is about much more than paying bills for repairs and restoration.

If you have ever "gone back home" to see the house you grew up in, you have undoubtedly felt a nostalgic tug at your heart. If you have ever been on vacation for more than a week, you have almost certainly experienced the unmistakable comfort and subtle joy of being back—"home."

And that is the unsung benefit of home insurance: It isn’t as much about protecting a house as it is protecting the place we call home. When it comes to home insurance, we help protect your house, your home, and the things that matter most to you.

Contact The Johnson Insurance Agency

Welcome to the Johnson Insurance Agency, where Lacey, WA residents go for home insurance solutions for all their needs. Contact us to learn more or schedule an appointment today to get the protection and insurance your house and home deserve.

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Category: Home Insurance