The market inflation is driving above-average premium increases Starting this summer many homeowner policies may see higher average premium changes at renewal than they’re used to. The inflation guard component of a home policy increases each year to reflect the gradual increase in the cost to rebuild a home, ensuring that homeowners continue to have Read More …
It’s a newer coverage that many insurance companies have started to offer. It’s essentially like a home warranty program for those major items in your home. The following details all come from Safeco’s coverage plan. How much is it? $2.00 a month How much does it cover? $50,000 in coverage How much is the deductible? Read More …
These are policies that offer you more protection. Once you’ve exhausted your limits within your auto policy and/or home, this type of policy will kick in and give you an extra 1 Million+ in coverage. They come in personal use and in commercial (business) use. A C.L.U.P. is a Commercial Liability Umbrella, so it will Read More …
As we celebrate 5 years in business, we’d like to thank you for considering to support our small business. If you’re already a customer, then you know you’re like family to us. If you are a part of our circle of referral partners, we can’t say how much we appreciate you. We appreciate everyone’s ongoing Read More …
There are many items covered within your renter’s insurance policy but today we’re just going to focus on Loss of Use coverage. Please look for future blogs on other coverages. Loss of Use Loss of Use coverage is automatically included with your renter’s policy but it’s based on a % of your personal property coverage. Read More …
We all understand that we must protect our investment(s) and place insurance on it. When people co-own items such as a rental home or a commercial building they often forget to mention this to their Insurance Agents. Why is this important? It’s vital that you’re listed as an “insured” on the insurance policy if your Read More …
Did you know your Landlord or Property Managements policy does not cover your personal property? Did you know that if your neighbor’s apartment floods due to a pipe burst, and that water gets into your apartment and damages all of your items, without renters’ insurance you have no coverage for all of your damaged items? Read More …
That you can start the clean-up process and even open up walls in your home if you have a loss? For example, let’s say you and your spouse go out for a nice dinner. You return home to find your whole kitchen and dinning room flooded, the wood floors are buckled and the walls are Read More …
Do you own or plan on owning rental properties? They’re a great source of income but keeping the expenses low is a must. One big expense is the insurance. Let’s talk about the different types of policies out there. Dwelling Policy (DP1) This is the very basic policy. It’s a named risk insurance. That means Read More …
Let it Snow, let it Snow and weigh down our trees until they come crashing down, said no one ever. Oh, my goodness this winter weather can really do some damage. Here’s your What if Scenario…. “What if a tree falls down and blocks my car in the driveway?” Take pictures of what occurred, assess Read More …
