Personal Insurance

It’s Tornado and Hurricane Season: Is Your Property Insured?

Posted by on Jun 21, 2018 in Business Insurance, Personal Insurance | Comments Off on It’s Tornado and Hurricane Season: Is Your Property Insured?

As glorious as the spring and summer months can be, they can also bring some of Mother Nature’s most destructive behavior. April, May, and June are peak months for tornadoes in the U.S. while hurricane season officially begins June 1 and lasts through November. Both can cause widespread catastrophic damage as well as injury and death. While those who live in areas prone to such natural disasters should have emergency plans in place to protect themselves and their families, what about their homes, businesses, and personal property? It’s impossible to predict or control the amount of damage...

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Don’t Get Left Underwater! Follow This Flood Insurance and Water Damage Prevention Checklist

Posted by on Jun 7, 2018 in Business Insurance, Personal Insurance | Comments Off on Don’t Get Left Underwater! Follow This Flood Insurance and Water Damage Prevention Checklist

Water. We need it to survive, but it can also be a relentless, unforgiving beast. In mere minutes, water can cause property damage that requires months of costly cleanup and restoration. Unfortunately, flood insurance is not typically included in standard homeowners or business insurance policies. While a policy may cover damage caused by a leaky dishwasher or faulty hot water heater, no standard policy automatically includes flood protection. When a rising tide of water causes a flood, damage to structures and personal property is usually covered only if the homeowner or business owner has...

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Babysitter Liability: Accidents Can Happen, Even on Date Night

Posted by on May 24, 2018 in Personal Insurance | Comments Off on Babysitter Liability: Accidents Can Happen, Even on Date Night

A thousand questions can race through a parent’s mind when hiring a new babysitter or in-home nanny: Is the candidate experienced? Good with kids? Responsible? Dependable? CPR- and first-aid-certified? Able to cook? Does he or she have reliable transportation? Here’s one most parents don’t think of: Does my insurance cover my babysitter? When hiring someone to care for your children in your home, you should first consider some worst-case scenarios: What if the babysitter is injured at your home? What if the family dog bites him or he falls off the backyard play structure? Does your...

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Boat Insurance Can Be the Difference Between Smooth Sailing and Rough Waters

Posted by on May 10, 2018 in Personal Insurance | Comments Off on Boat Insurance Can Be the Difference Between Smooth Sailing and Rough Waters

For those who long to be out on the water, there is nothing quite like the freedom and thrill of a day spent on your very own powerboat. But with as much pleasure as boat ownership can bring, boating also carries with it inherent risks and responsibilities. Boat insurance, though not always required, is something every owner should understand and seriously consider when investing in a powerboat. When is boat insurance required? Boat insurance is mandatory when you: Live in a state that requires it. Contact your insurance agent if you are unsure of your state’s regulatory policies pertaining...

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From Furry Friends to Life’s Big Events: Sure, You Can Insure It!

Posted by on Apr 12, 2018 in Personal Insurance | Comments Off on From Furry Friends to Life’s Big Events: Sure, You Can Insure It!

When you think of insurance, the obvious might come to mind: health insurance, car insurance, life insurance, and homeowners or renters insurance. But life is full of many other important things and defining moments. Should you insure those, too? Here’s a look at some lesser-known policies that offer important coverage to those who invest in them. Pet insurance Pets are cherished family members for many, and there’s little owners wouldn’t do to prolong the length and quality of their pets’ lives. As veterinary advancements progress, however, the treatments used to aid sick or...

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Rental Car Insurance: Money Wasted or Well-Spent?

Posted by on Mar 22, 2018 in Personal Insurance | Comments Off on Rental Car Insurance: Money Wasted or Well-Spent?

Have you ever rented a car and felt awkward confusion when the representative asked you to accept or decline rental car insurance? Could you have made a big mistake if you’d declined? Would you have wasted money if you’d accepted? Understanding your regular insurance policies and what they cover when you’re behind the wheel of a rental car can help you make an educated choice next time you’re at the rental counter. The minimum requirement If you don’t have an auto insurance policy of any kind, it’s a good idea to purchase the rental company’s insurance. Rental liability coverage, which would...

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