There are many reasons that the cost of insurance has been on the rise for the last couple years. Below are some bullets highlighting the most common reasons: Rising costs of claims: One of the primary factors contributing to insurance rate increases is the rising cost of claims. As medical expenses, auto repair costs, […]
We have some welcome news for dog owners and some potentially bad news for those homeowners who remain pup-free. New York will soon become the latest state to place restrictions on an insurance carriers’ ability to limit or deny homeowners insurance coverage based on ownership of specific dog breeds. The law, which takes effect on […]
It takes little effort to recognize the pain of inflation when we stop to pump gas or check out at the grocery store. The increased cost of living has become widespread and continues to rise, from transportation and food to healthcare and housing. The cost of building materials in particular has been increasing significantly and […]
Summer – that time of the year to get away for a much-needed vacation (especially after the year we all had)! It’s also that time of the year you leave your home unattended for a few days — sometimes even weeks. Before you head out, make sure that you mitigate the risks that come with […]
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 know flood losses are not covered by your homeowners insurance policy? Flood Insurance Facts: According to FEMA, during a 30-year mortgage, you are 27 times more likely to have a flood loss vs. a fire loss. Just one inch of water can cause costly damage to your home. This is especially critical […]
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 […]
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 […]
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 […]
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? […]