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Flood insurance: Hurricane & storm claims Q&A, part 3

June 20 2016
When you think of flooding, you may think strictly of rivers or bodies of water. Did you know that: •Homeowners are 4 times more likely to sustain a loss from a flood than a fire. •25 percent of all flood insurance claims are filed in low- to moderate-risk areas. Here are some common questions that we get about floods...

Mitigate rental property coverage gaps

June 02 2016
A homeowner may rent property to tenants on a continuous or regular basis. There are important measures that homeowners should take to protect their rental property investment. Here are some recommendations and tips if you continuously rent out residential property.

Swimming pool safety

May 25 2016
Whether you have a luxury in-ground pool, or plan to blow up an inflatable kiddie pool, it is important to consider the safety implications. Let your insurance company know that you have a pool, since it will increase your liability risk.

Why you need Uninsured Motorists coverage

May 19 2016
With all the different factors that enter into the automobile insurance purchasing process, it is important for you to be well informed in order to make intelligent decisions. One such decision concerns whether to purchase uninsured motorists (UM) and underinsured motorists (UIM) coverage. UM coverage provides insurance protection for bodily injury, and in some states property damage, caused by a motorist who is not insured.

Do you really know what you have in your house? Tips for creating a home inventory

May 12 2016
Given our busy lives and how much stuff we all have, it can seem like an impossible task to put together an inventory of everything. But, doing so helps you can make sure that you’ve got enough insurance to cover your personal property, and if you experience a loss, you’ll be able to settle a claim quicker and be more likely to get reimbursed for what you have.

Mitigate your sewer backup loss exposure

April 25 2016
Sewer backup loss exposures are a common coverage gap under a homeowners policy. However, this exposure can typically be covered by the addition of a "Water Back-up and Sump Overflow" endorsement to your policy. In addition to procuring the proper insurance coverage, homeowners should adopt several risk control techniques concerning this loss exposure.

Understanding insurance audits - business insurance audits part 1

April 11 2016
Depending on who you ask, the reaction to insurance audits vary from “it was no big deal” to ”mildly annoying” to “frustrating”. As an agent, we wish that every audit fell in the “no big deal” category. By having a clear understanding of why audits are conducted, being as accurate as possible upfront with policy applications and maintaining proper documentation, businesses can make the audit process easier and avoid surprises.