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 […]
Litigation frequency and severity are increasing at dramatic rates. Thankfully, homeowners insurance can help protect you from many of these claims, but it is still shocking to see how expensive they can be. For example, did you know that the average dog bite insurance claims now costs about $30,000 to settle? Or that half […]
Did you know that falls are the number cause of personal liability claims on homeowners insurance policies? Slips, Trips and Fall Prevention Falls are the second leading type of unintentional home-related injury deaths. Falls occur most commonly in: Doorways Ramps Ladders Stairs Crowded areas Areas with uneven surfaces Among older adults, falls can result in […]
Auto insurance claims can be some of the most expensive claims you can face as an individual. Therefore, implementing some safety tactics while on the road can go a long way in preventing potential claims and disaster. The following six tips will hopefully keep you safe: 1. Stay focused on defensive driving Keep 100% of […]
Content insurance protects your personal property when you rent an apartment, a condominium, or a home. The owner of the property is responsible for insuring the building itself and any appliances or fixtures provided to you as a renter. But, unless you buy contents or renter’s insurance, you will not have protection for damages or […]