Most of us are aware of the fact that there are limits to the amount an insurance policy covers for different types of property. A well-known example is jewelry coverage. Some of these limits appear in the ‘personal property limit’ section of your policy. There are, however, other limits known as ‘special limits of liability […]
Beware of Phishing Emails
October is Cybersecurity Awareness Month. So, we thought educating others about what cybersecurity is all about and what you can do to prevent it. Businesses both big and small are regularly targeted by remarkably sophisticated phishing attacks – and it’s not realistic to place the burden of fighting the battle on your IT department alone. […]
Tips for Teen Drivers
Ever since teenagers started driving, adults have told them what to do. It’s with good reason; teens are three times more likely to be in an accident before age 18 than a more experienced adult is. New teen drivers could avoid many collisions they could be involved in by taking some of the sage advice […]
Flexible Underwriting – The Benefits of Working With An Independent Insurance Agent
Not all homeowners realize the differences between using a ‘captive’ insurance agent who only works for one specific company and an independent insurance agent who can look for the best deal from a variety of insurance companies. This article examines the benefits of independent insurance agents in more detail. Quotes From a Variety of Insurance […]
The Rising Cost of Home Insurance
According to III (the Insurance Information Institute), the average cost of home insurance increased to a record high of $1,398 last year. This, of course, placed an added burden on homeowners who were already struggling with inflation. Below we analyze the reasons for the situation and explain what a homeowner can do about it. Why […]
The Rising Cost of Everything
If you’ve had a car repaired recently, you may have noticed that your bill was higher than usual. The same goes for rental cars. Many companies are charging higher fees to rent a vehicle, which of course adds to your costs if you need to rent a car while yours is in the shop. Why […]
My Neighbor’s Tree Fell on My Garden Shed – Whose Insurance Pays?
Imagine you’ve been involved in a car accident. Insurance information gets exchanged and claims get filed, but how do insurance companies determine who pays for what? The simple answer is that it just depends on the circumstances. Liability Claims If you are involved in an accident, the other party may file a claim with your […]
Hidden Hazards in Your Home
Some home hazards are obvious. Others are harder to detect, but they can still be detrimental to both your property and your family’s health. Here’s a look at mold and radon, two hidden hazards that may be lurking in your home. The Dangers of Mold Mold can cause significant damage to the structure of your […]
Insuring Collectibles: You May Not Have the Coverage You Need
Over the years, you’ve developed an impressive collection. Maybe it’s art or jewelry, or maybe it’s trading cards or rare toys. Regardless of what you collect, the point is that you’ve put a lot of time and money into it, and now it’s worth something. Here’s what you need to know about insuring collectibles. Your […]
Happy Holidays to All
The nights are getting longer, but thanks to warm homes, an abundance of healthy food, and the company of our friends and family, the winter days seem especially bright. While it’s easy to get caught up in the hustle and bustle of daily life, the holiday season is a time to remember what’s really important. […]
