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Jewelry Coverage – Blanket vs. Scheduling

  Many of us have at least one piece of jewelry with significant value.  And almost as many have felt the sure fire panic associated with a piece of jewelry gone missing.  Most of the time, we find it laying next to a sink or in the bottom of a suitcase, but what would happen if

Is Your Home Underinsured?

  Underinsurance is defined as the limit of insurance being insufficient to replace or fully repair damages caused by a covered peril, such as fire, wind, theft, etc. I recently read a blog from Enhanced Insurance that I found extremely interesting and helpful, considering we deal with this subject on a daily

Tips for Unoccupied or Vacant Homes and Properties

  When properties are left vacant or are unoccupied, steps should be taken to help mitigate and prevent losses due to heating or electrical systems, water damage, vandalism or other causes. Help keep your clients and their families safe by sharing the following loss prevention tips: Heating and Electrical Systems 1.  To help

Understanding the Cost to Rebuild Your Home

Your home is one of your most valuable assets.  Make sure you have enough dwelling coverage on your homeowners policy to rebuild to its original state if it's destroyed by fire or other covered cause of loss. While the current market value of your home may be lower than you'd

Identity Theft Coverage: What Is It? Do You Need It?

Information provided by: Insurance Information Institute   It's happening everywhere. Data from retail stores, hotels, banks and other businesses are being stolen and misused - and data theft scams are likely to increase as the holiday season approaches, according to the Insurance Information Institute. Identity fraud is on the rise for the second year

What does my Homeowners Policy Cover?

Have you ever wondered, “What does my homeowners insurance policy actually cover?” When you purchased your policy, were you shopping for the correct coverage or were you comparing prices? In recent years, many people have shifted their focus to being budget-minded, which is understandable in today’s economy. However, it’s important to

May is National Bike Month!

  It’s no secret that bicycling has been a favorite pastime ever since we can remember.  In recent years, however, bicycling has increased in popularity as not only a sport, but a means of transportation.  Here are just a few of the statistics: Bike sales have increased by 20% from 1992-2006¹ Bike commuting

It’s Raining Lawsuits: Do You Need An Umbrella Policy?

  It's impossible to predict whether you might lose a lawsuit resulting from a car accident or an accident on your property. Nor is it possible to predict the amount that might be awarded to the winning party, an amount that you would be responsible for paying. To protect yourself against