Personal Insurance

Winter Weather Liabilities

Posted by on Nov 26, 2018 in Business Insurance, Personal Insurance, Property Insurance | Comments Off on Winter Weather Liabilities

Winter is more than cold weather, snow and hot cider – it’s also winter storms and ice, which means potential hazards and costly liabilities. If you deal with either commercial or residential property it is important to know what side effects of winter you are responsible for. Who’s responsible? Legally, snow and ice are the same as any other hazard present on a property, and the property manager can ultimately be help liable for any injury caused by such hazards.  It is important to be vigilant when it comes to removing ice and snow promptly. Residential rentals such as single-family homes...

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Open Enrollment – Quick Tips

Posted by on Nov 9, 2018 in Personal Insurance | Comments Off on Open Enrollment – Quick Tips

The Open Enrollment for 2019 Marketplace plans began November 1st, 2018 and will close December 15th 2018.  All plans purchased during this time will go into effect on January 1st, 2019. Many people find the process of enrolling on the Marketplace to be both intimidating and frustrating.  Here are some tips to make the process go as smoothly as possible. Open Enrollment – Quick Tips 1. Find out if you are eligible. A complete list of criteria can be found at https://www.healthcare.gov/quick-guide/eligibility/ 2. Gather up all your documentation before you begin your application. This...

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Is an Umbrella Insurance Policy Right for You?

Posted by on Oct 11, 2018 in Personal Insurance | Comments Off on Is an Umbrella Insurance Policy Right for You?

One major lawsuit can have the potential to drain a bank account and leave those involved with nothing — even if the incident was a complete accident. Therefore, nearly every state requires drivers to carry auto liability insurance and many protect their property with homeowners liability insurance. However, basic coverage might not be enough in certain situations. Accidents could easily become costly. If expenses exceed what liability insurance covers, the remaining damages become out-of-pocket costs if umbrella insurance policies aren’t in place. ☂️ What is an umbrella...

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What’s the Difference Between ‘Replacement Cost’ and ‘Actual Cash Value’ Insurance Policies?

Posted by on Aug 30, 2018 in Business Insurance, Franchise Insurance, Personal Insurance | Comments Off on What’s the Difference Between ‘Replacement Cost’ and ‘Actual Cash Value’ Insurance Policies?

The worst has happened: Someone stole your car and stripped it to pieces! Now, all you’ve got left are fond memories of your slick ride and an insurance policy claim to file. All you want to do is put this whole ordeal behind you, buy a new car, and never look back. But will your insurance payout cover the cost of that same car? Understanding “replacement cost” versus “actual cash value” when it comes to your policies is important. Replacement cost Replacement cost policies will pay out the cost necessary for a direct replacement of the item covered. So, for example, if your vehicle was a...

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Vehicle Telematics: Myths, Facts, and Benefits Every Driver Should Know

Posted by on Aug 16, 2018 in Personal Insurance | Comments Off on Vehicle Telematics: Myths, Facts, and Benefits Every Driver Should Know

Insurance companies have used vehicle telematics for about two decades now as a way to bring more transparency and accountability to auto policyholders. Telematics are most commonly associated with the little modules that plug into your car’s Onboard Diagnostics Port (OBD-II), which relay driving data to insurance providers. Today, many insurance companies offer plug-and-play solutions and even apps that eliminate the need for modules altogether. Common misconceptions Unfortunately, this technology has been met with a lot of confusion, and drivers have developed a number of widespread...

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Homeowners Insurance Summer Vacation Checklist

Posted by on Jul 19, 2018 in Personal Insurance | Comments Off on Homeowners Insurance Summer Vacation Checklist

You’ve checked your auto and travel insurance policies and know you’re covered while on vacation, but what about the home you’ll be leaving behind? Burst pipes, broken appliances, and burglaries are easy potential hazards for those excited about upcoming trips to forget about. Fortunately, they’re easy to prevent, and this checklist can help make such prevention easier. Use these simple tips to keep your property safe while you’re away. Don’t advertise your absence. Nothing says “Nobody’s home!” like a heap of newspapers and unopened mail on the front porch, an unmowed lawn, and social media...

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