Personal Insurance

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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Home-Sharing Services: Do You or Those Who Rent Your Home Need Insurance Coverage?

Posted by on Jul 5, 2018 in Personal Insurance | Comments Off on Home-Sharing Services: Do You or Those Who Rent Your Home Need Insurance Coverage?

The sharing economy has brought about business model innovations, allowing people to monetize underutilized assets including cars, storage space, gear, and living space by renting them out. While this can create exciting opportunities, it can also present risks — particularly when it comes to home sharing. Having the proper insurance can help reduce those risks. Home sharing In today’s economy, home sharing typically involves short-term rental arrangements in which homeowners provide places for guests through platforms such as Airbnb or HomeAway. It can be a great way for those with...

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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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