Are you a wine aficionado? Do you have a collection of fine and rare wines? If you fit the bill, you are surely storing the wine properly. But what if you had a major power outage in the summer that lasted for days and your collection simmered in the high heat? What if a hurricane,…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
Landlords May Be Legally Liable For Tenants’ Injuries
One of the risks from being a landlord is that tenants or visitors to the premises may get injured. Injuries may result from factors out of the landlord’s control. However, in some cases the landlord may be legally liable for accident. Negligence A landlord is legally liable for a tenant’s or visitor’s injury if he…Read more
What is Subrogation?
You’re stopped in traffic when another driver plows into you from behind. Your company is a contractor working on a renovation project. An employee of one of the other contractors bumps a ladder, sending one of your employees to the floor with broken bones. Workers are welding on the property next to yours on a…Read more
Dog’s Affect on Homeowners Insurance
Like most Americans, I am a dog lover! My last dog, Miles, was a 135 pound Bloodhound and he was a great dog. He had big floppy ears and no matter what type of mood you were in he was right there with you. Unfortunately, there are some dogs that are not so nice and…Read more
3 Ways to Save on Homeowners Insurance
You can lower the monthly premium on your homeowners insurance in 3 ways. We’ll discuss those ways but first let’s discuss what homeowners insurance is designed to cover. Homeowners insurance is designed to cover a “sudden and accidental” loss. Homeowners insurance is not a maintenance policy and it will not cover damage due to wear…Read more
How Do Insurance Agents Get Paid?
We are often asked “how do insurance agents get paid”? Insurance agents generally work on commission but before we get to the pay structure lets review the different options you have to purchase insurance. Direct You can purchase insurance directly from the insurance company. Examples of direct companies are Geico, Elephant, The General and Esurance.…Read more
Landlord Insurance
You might think of this policy as homeowners insurance for landlords. As with homeowners insurance, your policy will cover the structure itself, in the event that it is damaged by any number of causes, such as storms, fire or malicious acts. The policy will also typically provide liability protection to cover injuries to anyone on…Read more
High Value Homeowners Insurance
As an owner of a distinctive home, your insurance needs are unique. Your home is a significant investment, and it is important that you have the right coverage to protect special characteristics and custom fixtures as well as your fine possessions. At The Andrew Agency, we have the expertise to not only meet your expectations,…Read more
The Wrong Way to Insure Your Home
Your home is one of your most valuable assets but most people spend very little time making sure they have the right insurance policy. Make sure you have enough dwelling coverage on your homeowners insurance policy to rebuild it to its original state. And while the current market value of your home may be lower…Read more
