The market inflation is driving above-average premium increases Starting this summer many homeowner policies may see higher average premium changes at renewal than they’re used to. The inflation guard component of a home policy increases each year to reflect the gradual increase in the cost to rebuild a home, ensuring that homeowners continue to have Read More …
It’s a newer coverage that many insurance companies have started to offer. It’s essentially like a home warranty program for those major items in your home. The following details all come from Safeco’s coverage plan. How much is it? $2.00 a month How much does it cover? $50,000 in coverage How much is the deductible? Read More …
We all understand that we must protect our investment(s) and place insurance on it. When people co-own items such as a rental home or a commercial building they often forget to mention this to their Insurance Agents. Why is this important? It’s vital that you’re listed as an “insured” on the insurance policy if your Read More …
Did you know your Landlord or Property Managements policy does not cover your personal property? Did you know that if your neighbor’s apartment floods due to a pipe burst, and that water gets into your apartment and damages all of your items, without renters’ insurance you have no coverage for all of your damaged items? Read More …
That you can start the clean-up process and even open up walls in your home if you have a loss? For example, let’s say you and your spouse go out for a nice dinner. You return home to find your whole kitchen and dinning room flooded, the wood floors are buckled and the walls are Read More …
Let it Snow, let it Snow and weigh down our trees until they come crashing down, said no one ever. Oh, my goodness this winter weather can really do some damage. Here’s your What if Scenario…. “What if a tree falls down and blocks my car in the driveway?” Take pictures of what occurred, assess Read More …
As we know the weather is frightful right now so what if someone comes to your home (a friend, mail man, delivery driver, etc.) and slips on ice on your sidewalk or driveway?? You are responsible to maintain a safe premise, so if a slip and fall occurs you are liable. You do have liability Read More …
You are making dinner and next thing you know a small fire starts on your stove. It looks like you left some oil or butter on the stove top when you were cooking the evening before. You don’t have a fire extinguisher after continually telling yourself you should really buy one to put under the Read More …
There was a big storm that kept you up all night long. You were listening to the wind and hail hit your home. In the morning as your leaving for work you notice roof shingles in your yard and think “oh no now we need a new roof”. What do you do next? Option #1 Read More …
We know an accident is not a situation anyone wants to be in however there are some things you can do to make the experience better for yourself. Always obtain the other person’s insurance ID card (this is the most important tip but do not attempt to obtain it if the situation is not safe). Read More …
