7 Excluded Homeowners Claims
Our hope is that you never have to experience any disaster to your home that requires submitting an insurance claim to our office. What worries us even more, though, is submitting an insurance claim assuming there is coverage only to find out the claim is actually excluded on your policy. With that in mind we […]
What does Electronic Data Protection cover?
An often overlooked insurance coverage for business owners is Electronic Data Protection insurance. In the event of a claim this insurance can save you and your staff hours of headaches trying to restore the electronic data that was lost. What Does Electronic Data Loss Insurance Cover? 1. Lost or damaged electronic data EDP coverage as it […]
Classic Car Insurance Tips
Have a classic car? Here’s what you need to know about insuring them: Insurance Eligibility To be eligible for classic car insurance, your vehicle must usually fit one of the following definitions: Classic Car: A vehicle more than 10 years old that is a rare make and model due to exceptional workmanship or limited production. […]
Dangers of Working with Unlicensed Contractors
One of the first principles of gambling is this: Never take a risk you can’t afford to lose. When you hire an unlicensed contractor to do work on your property, or you fail to secure the necessary permits for that work, you are doing just that. Here’s why: When a general contractors take jobs, they will hand […]
Does Motorcycle Insurance Cover Accessories?
Personalizing motorcycles is almost second nature to many: They want to make the bike reflect their personality, so getting a custom paint job or adding flashy saddlebags is a simple way to do this. Adding accessories and parts is easy, but do you know if your insurance policy covers those added items? To determine whether your accessories […]
What are loss runs?
“Loss runs” are reports provided by your insurance company that document the claim activity on each of your policies. Even if no claims have been reported on a policy, a loss run report should be generated reflecting no losses. These are available free of charge from your insurer. To get the most competitive quote on […]
10 Things You Should Know About Mold
Mold can be a devastating health hazard. To protect you and your family, please keep the following 10 tips in mind: Potential health effects and symptoms associated with mold exposures include allergic reactions, asthma and other respiratory complaints. There is no practical way to eliminate all mold and mold spores in the indoor environment; the […]
How to Save on Driving Expenses
Did you know that by making a few changes to your vehicle and driving habits you can save hundreds over the course of a year? Gasoline If you live near a grocery store chain that offers discounts on gasoline, consider enrolling in its rewards program. Also, check to see if your credit card company offers […]
Does my business need umbrella insurance?
One of the questions we often receive is whether or not a business should purchase an umbrella policy for additional limits of insurance. Depending upon the size of your company, the standard $1,000,000 per occurrence and $2,000,000 aggregate limits may be adequate; however, there are also situations where your company should really consider adding an umbrella insurance […]
What type of insurance do I need if I rent out my home?
There are many reasons you might want to rent out your home on either a short- or long-term basis. Depending on the rental scenario, your standard homeowners policy may not cover losses incurred while your home is rented out, and you may require a more specialized insurance policy. Short-Term Rentals/Primary Residence If you are planning […]