Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Tips for Driving Defensively During Deer Season

Drivers across the country must take extra precautions on the road during deer mating season. Deer are more common in some parts of the country than others. They are often sighted near creeks, rivers, lakes and areas with trees. The likelihood of a collision with a deer during mating season is higher because all deer are more active then and wander onto roadways more often....

Do You Need an Umbrella? Here Are Some Things to Consider

Standard auto, homeowner's and boat insurance policies cover liability a person may have for injuries or property damage suffered by someone else. Insurance companies design them to cover accidents for which the insured person may owe tens or even hundreds of thousands of dollars. However, sometimes the person may be responsible for an accident so catastrophic that the damages are $1,000,000 or more. To cover...

Five Reasons You Might Want to Get Under an Umbrella

Umbrella insurance policies can be an important feature of personal financial plans. They provide additional insurance that takes over when a claim uses up all of the homeowner's or auto insurance. They even cover some losses that home and auto insurance do not cover, though the policyholder must pay a small deductible for them. They provide insurance amounts as low as $1,000,000 and may provide...

Old Plumbing? Make Sure Your Insurance Will Let You Replace to Code

This winter, too many building owners will get caught by surprise: They'll have pipes burst in the cold, doing tens of thousands of dollars in damage. They'll get estimates to repair. They'll file a claim with their property insurance company - only to find out that their policy will only cover a fraction of their costs. The problem: Insufficient coverage for building code upgrades. Here's...

Does a Homeowner's Policy Cover Your Home Business?

Thanks to advances in technology and the Internet, more and more people are running home-based businesses, either full-time or part-time. But will a homeowner's policy cover the risks of a home-based business? In nearly every case, the answer is no. The only exception to this might be if a homeowner's policy has a special endorsement, such as to run a catering company from your home....