Everybody wants to save money on their insurance premiums. If you own a home, you actually have a number of options for getting discounts on your homeowner’s coverage. There are some obvious ways, like installing fire-resistant siding and smoke detectors in the home. You can also get discounts if you purchase your car insurance from…Read more
Does Homeowners Insurance Cover a Home-Based Business?
With recent advances in both technology and the internet, and many people working from home or having been laid off due to the COVID-19 pandemic, many Americans have or are planning to start a home-based business. But will your homeowner’s policy cover the risks of a home-based business? In nearly every case, the answer is…Read more
Does Insurance Cover Riots?
After a video surfaced showing a Minnesota police officer kneeling on George Floyd’s neck, many residents took to the streets. While most engaged in peaceful protest, many resorted to violence. The result was extensive property damage to local businesses. The question is, will insurance pay for repairs and lost of income due to a riot?…Read more
Dog Owners Liable When Their Pets Bite
There were over 90 million dogs residing in people’s homes across the United States in 2018, according to the American Pet Products Association. Unfortunately, there are more than 5 million dog bites reported each year, according to the Centers for Disease Control. Of that amount, almost 900,000 require medical care, and about 50% of those…Read more
Homeowner’s Liability Goes Beyond Your Home
One misconception about homeowner’s liability insurance coverage is that it only covers incidents in the home. In fact, the coverage under the comprehensive personal liability portion of your homeowner’s policy is not limited by location. It is, however, limited by the liability caps on your policy. We can show you where that is stated. Here…Read more
Historical Property Insurance – 7 Tips
In recent years, hordes of home buyers have been leaving the suburbs and flocking to urban historic districts throughout the nation. Not only do these home buyers want to own their very own piece of history—they also want to protect these charming old neighborhoods from destruction and modern development. If you’re attracted the charm of…Read more
Fine Art Insurance
Do you have expensive art in your home: Paintings, sculptures, glass works, textiles, ornamental jewelry and other items? But while you may have art, is it “fine art” – a one-of-a-kind work that may have some historic or artistic significance that required a specific fine skill to create, and is rare and unique. Fine art…Read more
Sewer Line Insurance
Too many homeowners assume that a sewage backup or other underground drainage/sewage line is their local government’s responsibility – until they have a problem. Homeowners and landlords often only find out too late, after thousands of dollars of damage, that their existing insurance doesn’t cover them. As a homeowner or landlord, your responsibility for sewer…Read more
Getting a Trampoline? Review Your Insurance Policy
As summer approaches, many families with children will buy a trampoline or bring one out from winter storage so the kids and their friends – and maybe even parents – can bounce to their hearts’ delight. But while they are fun, they can also be dangerous, with 100,000 Americans seeking emergency-room treatment for trampoline-related injuries…Read more
Insuring Your Home – Replacement Cost vs. Market Value
Unfortunately, disaster can strike at any time. No one is immune to the threat of losing his or her home due to any number of possible hazards. But a recent survey found that most homeowners are seriously underinsured. Marshall & Swift/Boekh, a leading insurance data services company, found that 66 percent of homeowners had inadequate…Read more
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