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Blog Page
19 Jan, 2023
Are Your Grown Kids Properly Covered?
An adult son or daughter may think that, when a loss happens, coverage is available from mom or dad's homeowners or auto policy. It usually isn't, and finding this out after a loss is an unpleasant experience.
12 Jan, 2023
Identity Theft
ID theft is a form of fraud that has been around for as long as there have been dishonest people. It is a high-profile problem because technology has created many more opportunities for this crime.
22 Dec, 2022
Holidays? Vacations? Coverage???
Many events often trigger a need to evaluate one's insurance landscape. It may spur a need to buy renters coverage, homeowners or auto policy or secure wedding coverage, an umbrella policy or endorsements for jewelry, etc.
13 Dec, 2022
How Insurance Handles New Exposures
Insurance, even in the 21st Century, is typically considered similar to an ocean liner: it is huge and, while it can adjust its course, it doesn't do so quickly or particularly with grace. In other words, it is often a long, painful process for insurance to work out how it deals with new or evolving exposures.
08 Dec, 2022
Need Flood Insurance?
Do you need flood insurance? Well, walk to the nearest mirror and ask the person you see if he or she owns much property that could be damaged or destroyed by water. If the answer is yes, then you should seriously consider buying flood insurance.
01 Dec, 2022
Bike V. Pedestrian Accidents
Homeowners (HO) coverage is valuable. Besides protecting us against the consequences of losses we may cause at our homes, HO policies also handle losses that occur away from home.
24 Nov, 2022
Be A Common-Sense Host
Holidays and special events often include celebrations that bring together families and friends in homes across the country. Food, fun, conversations and spirits flow generously. Unfortunately, such celebrations may be accompanied by injuries and accidents, especially when alcoholic drinks are involved. Increased drinking leads to an increased chance for a personal tragedy and the consequences can be substantial.
22 Nov, 2022
Dwelling Fire Coverage
The dwelling fire coverage form was once the only option for providing residential property insurance. Then, it only offered modest coverage for private (non-commercial) building property and personal contents. As time passed, the evolution of coverage forms with broader protection resulted in the program being replaced by the homeowners policy.
20 Nov, 2022
A Few ‘Non-Negotiables’ about Your Personal Umbrella Policy
So maybe you’re still on the fence about whether purchasing a personal umbrella policy is a good move for you and your family. Following is a list of “non-negotiables” — that is, these are the exposures your family may have that make having an umbrella policy a must.
17 Nov, 2022
Working From Home, Property Concerns
While many performing their jobs have long done so away from a traditional office, the viral pandemic created a tremendous surge of persons working from home (WFH).
10 Nov, 2022
Working From Home, Liability Concerns
In "Working From Home, Property Concerns," we discussed a need created for persons who may be required to work from home.
27 Oct, 2022
Take Care When Renting Out Residence
In recent years, a trend has gained substantially greater interest among travelers. To save costs, and for other reasons, such as gaining a more authentic travel experience, it has become increasingly popular to rent out residential space temporarily.
20 Oct, 2022
Earthquake Safety
Earthquakes appear to be making frequent headlines around the world. Earthquakes are not like severe weather that can be tracked and anticipated.
29 Sep, 2022
What Is Homeowners Insurance?
Homeowners insurance protects you financially from losses related to the home you own or are purchasing. (If you rent your home, you would need insurance for renters.)
16 Sep, 2022
Umbrella Insurance: 5 Common Questions
Umbrella Insurance: What is it? How does it work? What should I know as a consumer to protect my business and personal interests? Here are 5 common questions about Umbrella Insurance.
14 Sep, 2022
What is Umbrella Insurance?
What are the details of umbrella insurance and what does it cover?
25 Jan, 2022
Policy Insurance Limits
If you examine the insurance policy covering your business, you'll see an insurance limit. For instance:
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