Disaster Preparedness: Do I have enough insurance to rebuild my home?

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Making Sure Your Home Is Properly Covered for a Disaster 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…

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…

Homeowners and renters:Life is unpredictable. It pays to know your stuff

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Home insurance is important for both homeowners and renters. Homeowners need to purchase insurance to protect their homes and personal property. Those who rent need insurance to protect their furniture and personal…

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…

Should You Consider Flood Insurance?

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Most homeowners understand the importance of homeowners insurance, but many have no idea that floods are not usually covered under their regular policy. Without separate flood insurance, you could lose everything if a flood…

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…

Arson Costs Everyone

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Anti-arson efforts represent one of the earliest organized activities of the insurance industry in America. The National Board of Fire Underwriters, one of the oldest business organizations in the country, was formed in…

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…