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 …
These are policies that offer you more protection. Once you’ve exhausted your limits within your auto policy and/or home, this type of policy will kick in and give you an extra 1 Million+ in coverage. They come in personal use and in commercial (business) use. A C.L.U.P. is a Commercial Liability Umbrella, so it will Read More …
Not cleaning up grass clippings in the road, after mowing can cause motorcycle accidents? The grass reduces a drivers traction causing them to lose control of the motorcycle. They describe it as like driving on a sheet of ice. Many motorcyclists have lost their lives or being severely injured due to these clippings. It’s also Read More …
Workers‘ compensation coverage is an insurance policy that protects employees under state laws and provides medical care, death, disability, and rehabilitation benefits for workers who are injured or killed while on the job In many states you are not required to carry the coverage until you have a certain number of employees. Does this mean you don’t need the coverage? The short 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 …
You’re a business owner and this corona virus (COVID-19) has limited your business hours and now your business has been deemed a non-essential business. It was mandated by the Mayor. Will your commercial insurance help protect you from the loss of income? This is a very common concern and one we’ve addressed for many of Read More …
Did you know as a business owner that you are vulnerable to ransomware attacks? Ransomware begins when you open a link in an email that unknowingly contains a virus. The virus immediately begins encrypting files, paralyzing your computer network. Files are not unencrypted until you pay a ransom, often demanded in cryptocurrency. This is a Read More …
It’s an insurance that helps protect you when you buy a brand new or newer vehicle. As they say the moment you drive off the car lot your brand-new vehicle losses value. A great common question we’re asked: Do you mean that my auto insurance won’t just pay off my loan amount for my new Read More …
I have a large work truck that won’t fit in the garage and it’s just not feasible to empty out my tools nightly. What if my tools are stolen out of my work truck? Well, hopefully you have a policy that includes business property coverage. You could have a business policy called a B.O.P (Business Read More …
