Protection Beyond the UsualWhile it’s easy to assume that only a rich person could need that much insurance coverage, you’d be surprised at how important an umbrella policy can be for an average member of the middle class. For example, if you have a car insurance policy with liability coverage, you may think you have […]
If any of the following incidents were to happen, do you know if your homeowners insurance would pay the full claim, part of the claim, or deny it completely? Your golf clubs are taken out of your car. Your expensive digital camera is dropped and broken. Your home-office computer is ripped off. Unfortunately, with just […]
Exclusions listed in a personal auto insurance policy vary depending upon what state laws permit and then your car insurance company’s guidelines. When something is noted as excluded from your policy, it means that your policy won’t cover it. Exclusions can be associated with a person, property, location, peril, or specific situation. These limitations to […]
Weather Emergency Safety TipsKnow what to do in case of a weather-related emergency. Plan AheadYour home or work routines can be disrupted with little or no warning by natural disasters, fires, or other catastrophic events. You and your family must be prepared as help may not always be available. If you or your loved ones […]
A Personal Articles floater is used to insure valuable personal property that often requires more coverage than what is provided by an insured’s homeowner policy due to various exclusions and limitations on homeowner coverage. The personal articles floater can be used to ensure the following categories of personal property: – Jewelry: Most personal jewelry can be […]
Trampolines are popular among children and teens and even among some adults. Though it may be fun to jump and do somersaults on a trampoline, landing wrong can cause serious, permanent injuries. Injuries can occur even when a trampoline has a net and padding and parents are watching. Common Injuries Thousands of people are injured […]
Self-driving cars are definitely on the way. In fact, one transport scholar at the University of Minnesota estimates that by 2030 every car on the road will be driverless.From a safety standpoint, this could be great news as most accidents are caused by human error. If this factor can be minimized by taking control of the moving […]
What to do ahead of time: Hire a licensed electrician to raise electric components (switches, sockets, circuit breakers, and wiring) at least 12 inches above the expected flood levels for your area. Make sure your yard’s grading (slope) directs water away from the building. Have the installation of your furnace, water heater, and other permanent […]
Home Insurance Exclusions: 10 Things Home Insurance Won’t Cover Every homeowner needs to know the ins and outs of their home insurance policy, but sometimes knowing what isn’t covered can be just as important as knowing what is. Here are 10 home insurance exclusions that every homeowner should be aware of. 1. Mold Damage Most home insurance companies […]
Parents worry endlessly about how to protect their children, but many overlook one of the biggest threats to their children’s safety and well-being — their own home. Experts say that children between the ages of 1 and 4 are more likely to be killed by fire, burns, drowning, choking, poisoning, or falls within the home […]