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Posted on July 19th, 2023 by admin

Millions of Americans carry some type of insurance coverage, from auto, homeowners, and umbrella, along with business and professional insurance too.  Reinsurance coverage plays a critical role in varying scenarios, from devastating accidents resulting in fender benders to catastrophic natural disasters that decimate hundreds of homes. Like their policyholders, most insurance companies buy reinsurance coverage. These policies are an essential piece of the insurance cost puzzle, offering much-needed protection for the insurer in many situations. But as insurance premiums rise in tandem with reinsurance costs, many policyholders question the correlation between the two. This article dives into the specifics of…Read More

Posted on April 21st, 2023 by admin

About 69 million U.S. households own dogs, according to the American Pet Products Association’s 2021-2022 Pet Owners Survey. The American Veterinary Medical Association states there are nearly 85 million dogs living in U.S. households. About 4.5 million people are bitten by dogs each year, most of them children. Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits (typically $100,000 to $300,000). If the claim exceeds the limit, the dog owner is responsible for all damages above that amount. Dog bite liability and homeowners insurance Some insurance companies will not insure homeowners who own certain breeds…Read More

Posted on January 23rd, 2023 by admin

If you are a homeowner, getting a homeowners insurance policy can financially protect your house from theft, burglary, fire, or natural disasters.  A standard homeowners insurance policy covers your house, attached structures like a garage, and unattached units like a shed inside your property. It will also protect your personal belongings that are kept inside the house. While most homeowners’ insurance would cover personal property, like jewelry, furniture, clothes, appliances, and other expensive items kept inside the house, it will cover them on a limited basis when kept in a storage unit away from home. Belongings kept in a separate…Read More

Posted on January 4th, 2023 by admin

If you are a homeowner and have purchased home insurance to protect your property, you must get familiar with the ‘homeowners insurance vacancy and unoccupancy clauses.’ To understand more about the homeowner’s insurance vacancy and unoccupancy clause, here are some terms you need to know: Vacancy Clause: According to Merriam-Webster, a vacancy clause is typically defined as an amendment made to the property insurance coverage that doesn’t allow the property to be vacant beyond the period mentioned in the contract. When included in the homeowner’s insurance, the vacancy clause would limit the insurance coverage for your home during the period…Read More

Posted on January 3rd, 2023 by admin

While insurance is necessary to protect you from the uncertainties of life, you can take specific steps to ensure your overall insurance costs stay within your budget. Although there are some direct-to-consumer insurance companies whose idea of lowering your insurance costs is to reduce your insurance coverage as a quick way to save money, it’s certainly not advisable.  Here are some ways you can lower your costs for insurance while maintaining appropriate coverage. Car Insurance There are many ways to reduce car insurance costs without sacrificing coverage.  Reduce car insurance costs. Insurance companies base your car insurance rate on a…Read More

Posted on April 22nd, 2022 by admin

Condominium unit owners and condo associations have different needs than traditional homeowners. If you own a condo, you probably have insurance for your own unit, and the condo association will have its own insurance policy. There are many misconceptions about the insurance needs of a condo owner and the insurance association itself. For example, some people believe that the condo association’s insurance policy is enough to fully protect them, but this is not the case.  It’s important to understand the difference between the condo association and unit owner insurance policies in the case that something happens to your condo. Below…Read More

Posted on February 9th, 2022 by admin

Here are some of the factors that may influence premiums moving forward. Auto Insurance Home Insurance Have Additional Questions? We’re here for you. Please contact us and we can help answer questions you may have about the insurance market trends, assess your current coverages and explore discounts for which you may be eligible. The above graphic is credited to The Travelers Indemnity Company

Posted on October 26th, 2021 by admin

The annual apparition of spooky skeletons, broomstick-riding witches, and carved pumpkins is a sure sign fall is well underway. Second, only to Christmas in terms of how much consumers spend on decorations, Americans of all ages seem to love celebrating Halloween. The Halloween spirit has spread to the inside and outside of the home as well, with homeowners setting up elaborate displays that range from haunted houses in the basement to graveyards on the lawn, as well as high-tech LED lighting outdoors. When planning and setting up your Halloween decorations, it is a good idea to consider any potential risks…Read More

Posted on October 25th, 2021 by admin

Storms or natural disasters can have the ability to knock your power out for an extended period of time. During an outage, portable generators can offer temporary power, but there are potential risks associated with the use of these generators. Generators can be dangerous and can lead to illness and injury, and even death if used improperly. When using a portable generator, it is important to take precautions for your safety and the safety of those in your home. Follow these guidelines for safe generator use: Read the manufacturer’s safety and operating manual before using your generator.Never leave your generator…Read More

Posted on September 16th, 2021 by admin

Many people have reported that fall is their favorite season. From the comfortable temperatures to all of the seasonal decor – what’s not to love?  Fall is also the perfect time to thoroughly inspect your home and perform any repairs that may be needed before those harsh winter months arrive. Below we have listed out some fall home maintenance tips to add to your checklist. Exterior Home Maintenance There are many things to consider when it comes to maintaining the exterior of your home. Below is a checklist we have provided for you to consider.  This will simplify the process…Read More