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, […]
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 […]
Property owners know that whether they own an apartment in rural Chester, NY or a condo in New York City, insurance is critical. Fires, robberies, floods, and other natural disasters arrive unexpectedly, and for those that are uninsured, it is often impossible to handle the loss. Both landlords and renters need insurance, but sometimes both […]
Your home’s roof is designed to last a long time, but that doesn’t mean that it won’t get damaged at all. A roof has to be maintained regularly in order to maximize its lifespan. But how do you know exactly when your roof needs to be replaced? Here are some of the most common signs: […]
When to Save and When to Throw Out At what point does food in the refrigerator become unsafe during a power outage? The USDA and Foodsafety.gov provide a very detailed chart as a guide to evaluate each food item: Click here to view. Â We are your business, home, auto, and life insurance solutions provider, […]
Did you know an estimated 40 percent of high value homes are underinsured? If you are like most financially successful individuals and families, there is a good chance that you have a significant amount wealth invested in your home. It might even be your largest investment. A typical homeowners policy is likely not suitable […]
Choosing the Proper Coverage for Your Home Maybe you never intended to be a landlord… That happens frequently these days. There are many who never intend to be landlords, but circumstances force them into renting out their property in some form or another. You might purchase a vacation home, only to realize you will […]
Whether you are planning a home addition or want to improve your existing space, there are several steps you usually take before kicking off the project: finalizing your design ideas; setting a budget; vetting contractors; and securing the necessary permits. But what about your homeowners insurance? Does reaching out to your trusted independent insurance agent […]
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 […]
Did you receive a very nice gift this past holiday season? Maybe an expensive piece of jewelry, or perhaps you have added a new gun to your gun collection? You would want to insure these items for all risks, would you not? Generally, a homeowners policy covers most possessions within the home. However, valuable items […]
