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The Great Escape

I am sure we all can recall partaking in fire drills at school or our place work. They’re done so often they become rudimentary. However, people often forget or ignore the importance of preparing an fire escape plan for where…

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A True Tale About Water Backup of Sewers and Drains Coverage

Any insurance agent who has been in the business long enough has one or two go-to stories they will use to prove their worth in a pinch. Whether we are talking to a prospect, speaking with others in the insurance…

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The Cold Hard Facts About Ice Dams

The winter months may be waning but the potential for claims resulting from ice dams are on the rise! While most of the damage caused by a winter storm is immediate, ice dams losses usually don’t occur until several days…

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Replacement Cost Value Versus Market Value: What’s the Difference?

Many homeowners often wonder why the limit on their homeowner’s insurance policy is more than the market value of their home. In some cases, there can be a drastic difference between what you recently paid for your home versus how…

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Why You Need Equipment Breakdown Coverage

Many homes today incorporate advanced technology electronics and other equipment that is not covered by your standard homeowner insurance policy, yet a loss to one of these items can become a significant expense. Is there anything you can do to…

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How to Prepare your Home for Winter

December is here and along with it comes the familiar reminders that winter is quickly approaching. Turn on the radio and Christmas music is blaring, go to the store and see decorations and lights lining the shelves. It’s also that…

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Other Structures Need Other Coverage

You’ve found the perfect homeowners policy for your needs – that’s great! But did you consider your ‘other structures’ needs? Do you know what are considered other structures?

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