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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

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

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

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

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

Posted on July 23rd, 2021 by admin

In this technologically advanced era that we live in, coupled with the ever-rising cases of insecurity throughout the world, the need for home security has become a necessity for most people to feel safe and secure in their homes.  Home security and protection are no longer reserved for the affluent and wealthy within our society but available for everyone. Let’s look at a few devices that exist today and review how they can improve home security and protection. Some of these devices may be employed to automatically prevent damage from water, fire, or even appliances when you are away from…Read More

Posted on July 22nd, 2021 by admin

Buying a home for the first time is exciting, but it can also be stressful and overwhelming. Your worries don’t end with choosing the right house in the best neighborhood. You also have to pay realtor fees, home inspectors, property appraisers, and also purchase homeowners insurance for the very first time. Fortunately, there are plenty of helpful tips for first-time homebuyers in the market for homeowners’ insurance.  You may wonder if homeowners insurance is even necessary. There is no question: homeowners insurance is an absolute necessity for home buyers. While it may not be required by law, your lender will…Read More

Posted on May 25th, 2021 by admin

Coinsurance is included in many insurance policies, including health, directors and officers, homeowners, commercial, and property, the last of which we are covering here. While there may be a “coinsurance” clause in each of these types of insurance policy, the use and effect may be unique to each.  When it comes to property insurance, sometimes, business owners set up their new property insurance policy without reading the fine print. When buying or building a new business, insurance is one of the most important aspects that some may try to save money on. For this reason, insurers have implemented a provision…Read More

Posted on April 27th, 2021 by admin

Each day, around eight individuals in the U.S. are killed in accidents where a distracted driver was involved, according to the Centers for Disease Control and Prevention (CDC). Distracted driving occurs when you’re driving while performing another activity that causes you to take your attention away from driving. It can increase your risk of a vehicle accident or crash. So, what can be considered a distraction to you while you are driving?  7 Distractions While Driving Things that take your attention away from your driving can be distractions that may cause a collision. Seven examples of common distractions on the…Read More

Posted on March 17th, 2021 by admin

It makes sense to move out of your home while renovations are underway. After all, who wants to live with daily chaos, noise, and privacy intrusions major renovations deliver? But before you make a move out of your home, it’s a good idea to check with your insurance provider to see if you need to adjust your policy.  You do not want to fall victim to “vacant home” exclusions that are often standard in homeowners insurance policies. How Does a Vacant Home Impact the Insurance Needs of Homeowners? Being home most of the time means that someone is looking after…Read More