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Different Insurance Needs for a Condo Association vs. Unit Owners

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

What’s Affecting Your Insurance Rates?

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

Halloween Safety Tips

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

Generator Safety

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

Fall Home Maintenance Tips and Checklist

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

Severe Weather Insurance Policy Checkup

Posted on September 15th, 2021 by admin

There’s nothing as disappointing as finding out that your homeowners’ or business insurance policy doesn’t cover certain damages incurred from an accident or storm. In this age of hurricanes, tornadoes, thunderstorms, flooding, sump pump failures, and other unexpected natural disasters, the last thing you want is to pay for such damages out of pocket. And, when you throw winter weather in the mix, with early season ice storms that cause trees to fall with leaves on them, blizzards, and ice dams, there’s even more risk of acquiring costly damage to your home or business property.  Not only are you contending…Read More

Differences Between Condo Owners and Condo Association Insurance Policies?

Posted on September 13th, 2021 by admin

Understanding the difference between a condo owner’s policy and a condo association’s policy can save you lots of money. This is because some condo owners pay for coverage they don’t actually need.  Unfortunately, while these two policies are equally important, few condo owners know the differences between them. For this reason, we’ll discuss everything you need to know about these two types of insurance policies, including the differences between them, their importance, practical examples, and so much more!  But to understand these two insurance policies even better, let’s first define them.  What’s a Condo Owner’s Insurance Policy? A condo owner’s…Read More

Understanding The Insurance Risks of Volunteering

Posted on August 2nd, 2021 by admin

Volunteering is something millions of Americans do. We are a nation of people who give. We encourage our children to volunteer and want to set a good example by volunteering our own time and talents to help others who are less fortunate in life or have unexpected needs along the way. It is good and noble to want to volunteer and help others. Unfortunately, in the litigious world, we live in, volunteering your time and talents can put you on the hot seat when people do not get the results they want from your altruistic gestures. Some of the places…Read More

7 Tips To Help You Save on Auto Insurance

Posted on July 28th, 2021 by admin

If you drive a car, you have car insurance. Or, you should. Auto insurance is not only required by law, but it is necessary for responsible driving. Auto insurance protects drivers during everyday events that can occur on the road, such as car accidents and injuries. If you total your car or injure someone in a collision, paying out of pocket for damages can bankrupt you. Auto insurance is invaluable for drivers.  Still, auto insurance can get expensive. If you feel like you have paid too much for insurance in the past, you might not realize that there are several…Read More

What Types of Insurance Do Attorneys Need?

Posted on July 23rd, 2021 by admin

Attorneys are typically well-versed in insurance meant to protect clients. However, lawyers themselves need insurance to protect them from many issues that can arise while practicing law. Lawyers are subject to malpractice lawsuits just like doctors. In this case, lawyers need professional liability insurance to protect them should a professional issue emerge with a client. Professional liability insurance covers professionals who provide expert service in their fields. Lawyers fall into this category because they provide crucial aid to clients whom they serve. However, just like all humans, law professionals sometimes make mistakes. In some instances, a client may suffer due…Read More

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