Did you know flood losses are not covered by your homeowners insurance policy? Flood Insurance Facts: Just one inch of water can cause costly damage to your home. This is especially critical in the spring. A commonly accepted model is that 10 inches of snow equates to one inch of water, creating a dangerous […]
Protect Your Home (and Bank Account) This Spring
Spring is just around the corner. The weather is soon warming, days are getting longer, and birds are returning. If you are like most people, you are welcoming the season with open arms. Spring, however, is also the time when heavy snow dissipates, leaving copious amounts of snowmelt water, just as rain showers and seasonal […]
Just a Few Reasons You Would Need Umbrella Insurance
Living in a busy world, our lives constantly intersect with the people around us, and some interactions can have surprising consequences. It is increasingly important to make careful insurance choices to protect yourself from the unexpected. Because, even if you carry excellent coverage with high limits, situations can still arise that leave you liable for […]
Managing Construction Risk: 5 Quick Tips for Business Owners
All construction projects carry certain levels of risk. From labor shortage and safety issues to change orders and new government regulations, the construction industry faces risks on multiple fronts that need to be managed. The ability to identify and address these risks during the initial stages of a project requires skill, careful planning, and swift […]
Common Home Insurance Discounts Available to You
Discounts will always vary on the insurance carrier and state, but it is worth a shot at asking your independent insurance agent about the following home insurance discounts so you don’t miss out if they are available to you! Claims-free discount: As an insurance company, what would be your favorite kind of customer to insure? […]
Is it Time to Take Earthquake Insurance Seriously?
According to the U.S. Geological Survey Survey’s (USGS) latest report, nearly half of Americans across 48 states are at risk for damage from an earthquake. 90 percent of Americans live in areas considered seismically active. Yet, the Insurance Information Institute estimates just a quarter of all homeowners in earthquake-prone areas have earthquake insurance. Why is […]
Protect Your Home (and Health) from Mold
When mold invades your home, it is more than just a petty annoyance and a pungent odor. Its habitation — on your walls and ceilings, in your pipes, on your carpet, or in your bathtub — can cause a whole host of issues, ranging from minor property damage to severe health problems. Growing on anything […]
Tips on What to do Before and After a Storm
When any type of big or destructive storm is expected, you need to make sure you take the right steps to ensure your assets are covered. The first step? Check your insurance policies because not all of them cover the following expenses: Tree or any other debris removal Water damage Water/Sewage back-up (for sewers, drains, […]
What to do Before Purchasing Home Insurance
1. What is your property value: Make sure that your home is valued properly. Insurance is a lifeline to rebuild your property in case disaster strikes. If your home is not valued properly, then the extra cash needed to rebuild will be coming straight out of your savings. This is why we can’t stress enough […]