You would think if your neighbor’s tree falls on your house or property your neighbor would be responsible for the damages and the cost to cut up the tree. One of my clients recently found out the hard way, this is not the case. John came home from work and discovered his neighbor’s large oak…Read more
Insuring Your Home with Chubb
As an insurance broker, I’m often asked, which company is the best insurance company. The answer depends on your situation however, for high value clients there are standard insurance companies and then there’s Chubb Insurance. Chubb is the best in the business when it comes to claim service, policy coverage and overall customer experience. High…Read more
Condo Insurance vs. Homeowners Insurance
Whether you rent or own your condominium in or near Richmond, Virginia is it properly protected from potential risks? You may think so, especially if your condo association appears to be highly organized, always keeping you informed of improvements to the facility and updating residents on the latest goings on. They must have your back…Read more
Flood Insurance May Be More Important than You Think
Did you know that everyone lives in a flood zone? It’s just that every area has a different level of risk, low, moderate, or high. It’s common to think floods only happen on the coasts. However, millions of flood insurance claims have come from states with no coastal land. So, are you at risk? You…Read more
Swimming Pools Require Adequate Homeowners Insurance
There’s no doubt about it, swimming pools are fun and can create memories that are unbeatable. But with the fun and good times comes an added risk and responsibility. If you have a swimming pool or even a hot tub, you should know how it affects your homeowners insurance. Lawsuits from Swimming Pool Accidents Are…Read more
Insurance Tips For First Time Home Buyers
So you have now purchased your first home. What an exciting time! You probably have some plans on how you want to “make it your own.” In making these plans you should consider the best way to protect your investment. As a first-time home buyer, are you aware that the purchase of a home is…Read more
Know Your Insurance Deductible
Several states experienced the first catastrophe of 2014 when temperatures fell into the single digits. Pipes froze, burst and caused substantial water damage. Insurance claims were filed but policyholders didn’t realize they had a deductible or how much the deductible was and how it effected the policy. State Farm, the leading property insurer in the…Read more
Identity Theft Protection
Identity Theft is big business as 40 million Target customers experienced this December. Identity Theft Protection (ITP) can be added as a rider on your homeowners insurance with most companies for the cost of a pizza. Identity Theft Protection usually covers you up to $15,000 or $25,000 of monetary damage, however; it also helps you…Read more
Joint Custody and Homeowners Insurance
Going through a divorce is not easy. I know because I recently went through an expensive one! With more than half of all marriages ending in divorce you need to be aware of coverage gaps with homeowners insurance especially relating to liability coverage. Most divorce decrees will spell out which party is required to pay…Read more
Protect Your Greatest Asset with Homeowners Insurance
You think it never will happen to you. Surely you never will have a fire, theft, storm, or accident in your home. But, if the unthinkable does happen, you’ll want to have homeowners insurance to protect you. Homeowners insurance is there during your times of greatest need to protect what is probably your biggest asset.…Read more