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…
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Tips for Teen Drivers
Ever since teenagers started driving, adults have told them what to do. It’s with good reason; teens are three times more likely to be in an accident before age 18 than a more experienced adult is. New teen drivers could avoid many collisions they could be involved in by taking some of the sage advice…
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Flexible Underwriting – The Benefits of Working With An Independent Insurance Agent
Not all homeowners realize the differences between using a ‘captive’ insurance agent who only works for one specific company and an independent insurance agent who can look for the best deal from a variety of insurance companies. This article examines the benefits of independent insurance agents in more detail. Quotes From a Variety of Insurance…
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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…
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Happy Holidays to All
The nights are getting longer, but thanks to warm homes, an abundance of healthy food, and the company of our friends and family, the winter days seem especially bright. While it’s easy to get caught up in the hustle and bustle of daily life, the holiday season is a time to remember what’s really important.…
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Insuring your ATV or Side by Side
An all-terrain vehicle is a great way to explore the great outdoors. If you have a new ATV – a new utility task vehicle or side by side – you’re no doubt eager to take it out for a drive. Before you do, however, you need to make sure you have the right insurance coverage.…
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Delivery Service & Your Personal Auto Policy
If you take a job as a delivery driver, it is important to understand how your auto insurance policy works. If you do not take extra steps to get your delivery job approved, you may lose your insurance coverage or not be covered for an accident. Here is what you need to know. Personal Insurance…
Read MoreAre Service Lines Covered Under My Home Insurance?
Did you know that damage to your house’s service lines is not typically covered by homeowners insurance? This includes: Water lines Sewer Electric Natural Gas Cable TV Internet Fiber Optics And Others While these items are buried, and you might not think they are susceptible to damage, you would be wrong. Damage to underground service…
Read MoreDisasters that Insurance Policies do not Cover
Every year, many home and business owners discover there are certain disasters their policies do not cover. It is important to consider these issues before they happen and cause damage that will have to be paid for out of pocket. Earthquakes, floods, and acts of terrorism are three types of disasters that a policy will…
Read MoreWhy Businesses Need Cyber Insurance and What it Covers
Many businesses do not understand just how important cyber insurance is or why they need it. Businesses that keep large amounts of personal data, corporate data, trade secrets, and other protected information are the most common targets for cyber thieves. What Does Cyber Insurance Cover? There are several inclusions in a cyber insurance policy. Any…
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