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Your renters insurance guide

What to look for when shopping for renters insurance If you rent a house or apartment and experience a fire or other disaster, your landlord’s insurance will only cover the costs of repairing the building. To financially protect yourself you will need to buy renters or tenants insurance. renters insurance protections Like homeowners insurance, renters insurance includes three key types of financial protection:  Coverage for personal possessions Liability protection Additional living expenses (ALE) The big difference is that ...

Imagine how you’d feel if you looked down and saw the stone missing on your diamond ring? Would it be covered by your homeowners', condo owners' or renters' policy? Unless you have the ring "scheduled" on your policy, the answer is probably NO.  Most home/condo/renter policies provide coverage only in specific situations (named perils) listed on your policy, i.e. fire, theft, etc.  In the the above situation, the stone simply fell out and was accidentally lost, ...

Prevent flooding from snow melt

Snow can hold a lot of water. To prevent it from becoming a flood problem, you can take several preventative measures: Avoid having snow drain next to your house. Make sure your downspouts carry water several feet from your house to a well-drained area. One foot of snow on a 1,000 sq. ft. roof can produce approximately 2,500 gallons of water.   Don't allow snow to accumulate on the ground next to your house especially if the ...

Use these guidelines to protect your home and your assets with adequate insurance coverage If disaster strikes, you'll want enough homeowners insurance to rebuild the structure of your home, to help replace your belongings, to defray costs if you're unable to live in your home and to protect your financial assets in the event of liability to others. Use these guidelines to help determine the coverage and amounts you need. Determine how much insurance you need ...

  Does your business use “independent contractors”? If so, are you in compliance with Massachusetts Independent Contractor Law (MICL)? (M.G.L. c. 149, §148B) Established in 1990, the law initially focused on the construction industry; however, changes in 2004 created a very strict “three prong test”, which expanded implications to many other types of businesses. As a result, many businesses that have used “independent contractors” can no longer classify these workers as such. Three Prong Test In order ...

Water damage is among the most common reasons for making a property damage claim. Home, condominium, renter insurance and commercial property policies cover a variety of types of property damage caused by water. However, not every instance of water damage is covered by insurance. Damage being covered by a policy can depend on the cause of water damage and the type of policy you have, and whether or not you’ve purchased optional coverages. Water damage causes Causes of water damage can be ...

Winter months often increase the risks of a variety of claim situations. Being proactive can help reduce the chances of having an accident or loss. Cleanup snow and ice promptly to avoid liability. Property owners are liable for injuries that happen due to snow and ice build-up on their property...this includes the public sidewalk in front of your home or business.  Watch for ice dams and take prevention steps. Last year, New England’s severe winter ...

  A good host is a responsible host when it comes to serving alcohol Parties and social gatherings are often a big part of the holiday season. But hosts who serve alcohol should take steps to limit their liquor liability and make sure they have the proper insurance, according to the Insurance Information Institute (I.I.I.). Social host liability, the legal term for the criminal and civil responsibility of a person who furnishes liquor to a guest, can have ...

Christmas trees are a beautiful holiday decoration, but they can be dangerous, too. Even if you have an artificial tree, there are hazards to avoid. The last thing anyone wants is to have their Christmas Celebration destroyed by fire, so here are some quick tips and precautions to follow for safety. Check out this video on the difference of a fire involving a dry tree vs. a wet tree. Picking your tree Choose a tree that ...

Do you sponsor corporate functions, holiday parties, meetings or other social events where alcoholic beverages are served? Do you rent to tenants who sell or serve alcohol? If so, you need to be aware of liquor liability exposures and the extent of coverage provided by your insurance for claims related to selling, serving or furnishing alcoholic beverages. A Commercial General Liability (CGL) policy contains language that excludes liquor liability coverage if your company or organization is ...

 

The information provided in these articles are only general descriptions and should not be relied upon as complete, correct or accurate for your specific situation. All coverage informaiton is subject to policy provisions, endorsements and may be  subject to your meeting underwriting qualifications. Murphy Insurance Agency is not engaged in rendering legal, accounting or other noninsurance professional services. Consult an appropriate professional for advice regarding your own situation.