Hurricane and Windstorm Deductibles

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After Hurricane Andrew in 1992, insurers realized that losses from hurricanes could be much higher than they had previously thought. Hurricane Katrina, in 2005, which cost insurers more than $41 billion at the time, confirmed…

Severe Weather Claims Advice

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Many areas of the South has experienced a combination of heavy snow and ice, strong winds and prolonged, frigid temperatures, with additional severe weather expected this week. Property damage and insurance claims often…

Jewelry And Other Expensive Valentine’s Day Gift Items Require Special Insurance Coverage

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So, your honey popped the big question on Valentine’s Day. You couldn’t be more thrilled and the ring is to die for! But, what if it’s lost or stolen? While there is no way to insure the sentimental…

Standard Homeowners Part 1. THE STRUCTURE OF YOUR HOUSE

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This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in your policy. It will not pay for damage caused by a flood, earthquake…

Planning to Rent Out Your Home for Super Bowl Week? Make Sure You’re Properly Insured First

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PEER-TO-PEER RENTALS MAY BE CONSIDERED A BUSINESS AND REQUIRE DIFFERENT COVERAGEHomeowners looking to score a windfall by renting out their residence to Super Bowl ticket holders next February should first contact their…

Identity Theft Insurance

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A number of insurers now include coverage for identity theft as part of a standard homeowners or renters insurance policy. Other companies sell it as an endorsement to the policy policy, which can run about $25-$50 annually. Identity…

Test Your Insurance IQ: Trees and Insurance

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How much do you know about trees and insurance?Test your Insurance IQ then stop by our office for a no-obligation review of all your insurance needs.

Are You Ready For a Long, Cold, Snowy Winter? More Importantly, Is Your Home Prepared and Winter-Proofed?

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With a devastating snowstorm hitting South Dakota in early October and freezing temperatures recorded this week in Chicago, the Farmers’ Almanac predictions of a frigid winter and heavy snow for the 2013–2014…

Making Sure Your Home Is Properly Covered for a Disaster

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For many people, their home is their greatest asset, so it is crucial to avoid being underinsured. To protect their investment from disasters, homeowners should update their insurance regularly to include improvements, major…

Keep your home safe while you vacation

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Summer vacation — for most people, this phrase conjures images of sandy beaches, amusement parks, lakeside cabins, or family road trips.  For burglars, summer vacations are the perfect opportunity to take advantage…

What Insurance Companies Know About Your Property Insurance Claims History

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Insurance companies have reports that could mean the difference of hundreds or even thousands of dollars per year in premium. You need to know what's in this reports and if the information is accurate.The report is called…

A House Divided: Your Guide to Insurance Needs Following a Divorce or Separation: Homeowners and Renters Insurance

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Whether you are married or living with a partner, the process of ending a relationship can be extremely complicated. Many aspects of your life will be affected, including your insurance needs, according to the Insurance…