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Home » Blog

Blog

June 8, 2017
Agency

Types of Insurance a Small Business Owner Should Have

1. General Liability Insurance: Every business, even if home-based, needs to have liability insurance.  The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party. 2. Property Insurance:  If you own your building or […]
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June 12, 2017
Agency

Homeowners Insurance – Fireworks Accidents

A longtime, extremely popular summer rite is to enjoy setting off fireworks. However, it’s important to think, truly think, before striking a match or using a lighter on your first firecracker, sparkler, smoke-bomb, bottle rocket or other forms of incendiary entertainment. For all their fun, fireworks are capable of causing serious injuries to persons and […]
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June 19, 2017
Agency

Home Insurance – Vacant or Unoccupied Homes

An unoccupied home is a temporary condition and an exception to a residence normally having occupants. A vacant home generally represents abandonment of property. Either condition may affect your coverage under a typical homeowner policy. It is quite important to understand the consequences of either condition in order to keep your coverage intact. Generally, a […]
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July 5, 2017
Agency

Home Insurance – You Know the Grill, Be Safe

Millions of households regularly take advantage of pleasant, warmer weather by grilling meals outside. While this act is as much recreation as it is cooking, it also represents a serious source of property damage and injury. Each year in the U.S., fires that occur due to outdoor grilling result in some deaths, hundreds of serious […]
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August 2, 2017
Agency

Is Pet Insurance Worth It?

In a recent freak accident to our 6 month old puppy I ask myself is Pet Insurance worth it?  Should I pay monthly insurance premiums or put that money into a savings account for such an emergency?  All good questions when it comes to caring for our pets.  I’ve had 3+ dogs of my own […]
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August 4, 2017
Agency

Insurance – Should I file a claim and how can it impact my current coverage?

You buy insurance to protect your home and car from damage, but when an accident happens, is it in your best interest to file a claim? It seems like the answer should be a resounding “yes,” but a middling “maybe” is a far better response. Why the ambiguity? The decision to file a claim can […]
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August 7, 2017
Agency

Motorcycle Insurance – Motorcycle Safety

In our many years of offering motorcycle insurance to our clients we have been fortunate enough to only deal with one serious accident and fortunately our insured lived to tell the story.  Our client hands down attributes his living to tell the story from wearing the all his safety gear and not going the cheap route when purchasing […]
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August 11, 2017
Agency

Classic Car Insurance – Protecting your Classic

Depending on the type of car you own and your driving history (tickets and accidents), you are likely insured in the standard or preferred auto market. Both markets cover typical vehicles and operators. This allows insurance companies to use a comfortable set of assumptions about expected losses and repair expenses for developing insurance premiums. However, […]
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August 21, 2017
Agency

Insuring Roommates And Domestic Partners

Most insurance policies are designed to cover the following: • single individuals • traditional married couples • traditional family – husband, wife, children • relatives sharing the same household However, when two or more unrelated individuals live in the same residence and/or share the use of the same vehicle(s), the coverage situation becomes confused.  It’s […]
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September 12, 2017
Agency

Home Insurance – Fire Pit Safety

Many homeowners love the simplicity and effectiveness of using fire pits as a way to enhance the looks and the usefulness of their homes’ outdoor space. Fire pits are great for entertaining during cooler spring and autumn days and nights and have grown increasingly popular. They may be portable units, simple dirt areas, encircled with […]
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