Umbrella Coverage
It’s a new year, a clean slate! While sorting out files for the new year and collecting information for tax preparation take a minute to look at your assets. Do you have enough liability insurance coverage on your auto(s), home(s), …
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Vacant Homes are NOT Vacant of Risk
Can you tell which one of these homes is vacant? Does it matter? YES IT DOES!! Once a home is vacant for 30 or 60 consecutive days (depending on the policy), a typical homeowners policies will not cover vandalism, water …
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NOTIFICATION OF HOME IMPROVEMENTS
When making improvements to your home that boost your home’s value be sure your home insurance coverage is adequate and does not leave you vulnerable to losses. When you add the new solar panels to the roof make sure you …
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National Fire Prevention Week
It’s National Fire Prevention Week. One of the most important measures in fire protection for any building (residential or commercial) is having the proper Fire/Smoke Detection System in place. Please make sure you have the right system installed in your …
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It’s time to go back to school!
Summer is over……Fall is near……It’s time to go back to school. What is on your “to do” list at this time of year? Getting school supplies, buying new clothes, new shoes, etc. is probably at the top of your list. …
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The Risk of not having Renters Insurance
You rent a house or apartment and do not have renters insurance. You don’t own that much stuff, or so you think. What’s the risk? Well, if the following happened to you, could you use help from an insurance …
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April Showers Bring May Flowers……..
April Showers Bring May Flowers…….. Unfortunately showers can also bring severe weather threats such as hail, high winds, tornadoes and lightning. According to the National Weather Service, thunderstorms cause more than $1 billion in property damage each year. Below …
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Spring has Sprung
Spring has sprung and April is just around the corner! April showers may bring May flowers but they can also bring water-related claims to your household. Damp basements, roof damage, water backup of sewers and drains….even flooding. Is your Homeowners …
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What is a Residence Premise?
We will pay for direct “physical loss” to…….the dwelling on the “residence premises” including structures attached to the dwelling. “Residence premises” means…..the dwelling where you reside…..and which is shown as the “residence premises” in the Declarations. That’s how my Homeowners …
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How safe are you really?
We take so many precautions to protect what is tangible and replaceable but we leave ourselves exposed to the possibility of identity theft every day. Once your identity is stolen the damage can be extensive. One of the most notorious …
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Determining Home Replacement Cost
When searching for homeowners insurance coverage, you rely on the insurance company to insure your home for it’s full replacement value. When you purchase your home, you are paying for both the market value of the home ( minus …
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WOODSTOVES IN YOUR HOME
The cold weather is almost over and many people were supplementing their main heat source by using a woodstove. When doing this remember to keep a few things in mind. Make sure your woodstove has been properly installed by …
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