Ordinance or law coverage is a crucial aspect of insurance that individuals should consider to safeguard themselves from unexpected expenses related to building codes, regulations, and ordinances. In this article, we will explore the importance of ordinance or law coverage and its significance in protecting individuals. Understanding Ordinance or Law Coverage Ordinance or law coverage, […]
Fire Safety During the Holidays
The time for the annual winter holidays is on our doorstep. With that comes a lot of good cheer, celebrations, and spending quality time with your loved ones. Unfortunately, according to the National Fire Protection Association, this time of the year also increases the risk of residential fires, injuries, and even deaths. Let’s take a […]
Special Limits of Coverage
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 […]
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 […]
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 […]
Do You Have Enough Coverage to Rebuild Your Home?
If you haven’t reviewed your homeowners insurance in a while, now is a good time to do so. Specifically, you need to look at your limits for Coverage A, also called dwelling insurance. Due to a perfect storm of factors, rebuilding costs are spiking. As a result, limits that used to be adequate might not […]
How to Insure Your Electric Bike
Imagine going on vacation to Maui. Now imagine your entire family biking 16 miles on a steep and winding road with a spectacular view of the ocean – all the way to Nakalele Point – where you can view a blowhole on the northern tip of the island. Despite the incline, you easily keep up […]
10 Steps to A Successful Property Damage Insurance Claim
You have insurance in case anything goes wrong – but do you know what to do if something happens? When a property loss occurs, quick action on your part can help the claims process go smoothly and quickly. Make sure everyone is safe. Safety should also be the number one priority. If an injury has […]
