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 […]
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 […]
Consider boat or watercraft insurance during the riskiest time of the year. Whether you’re on the road or on the water, accidents happen. Summer is a season of fun and leisure; a chance to enjoy long weekends with friends and family. But it’s also the riskiest season of the year. In the same manner […]
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 […]
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. We are your business, home, auto, and life insurance solutions provider, […]
People are becoming more and more comfortable, and in many cases, more reliant on smart home technology. Some advanced smart home offerings include: Activation of “smart” alarms during set times of day Energy management systems (automatically adjusting thermostats in real-time) Locking and unlocking doors from a smart device Turning on and off lights remotely or […]
Understanding Your Insurance Coverage Limits Do you drive the cheapest car? Do you live in the cheapest neighborhood? Why not? Now ask yourself this: did you choose the cheapest insurance quote you received? Nearly everything we own — our cars, homes, articles of clothing, jewelry, etc. — was purchased with two things in mind: […]
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 […]
