Archives
Spring has always been one of my favorite seasons. All winter I look forward to planting flowers, enjoying the warmer weather and the merciful end of snow and ice. (Not to mention my birthday!) But, spring also brings rain, storms,…
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Category: Home, Liability, Personal, Prevention, Weather
Tags: cleaning gutters, homeowners policy, personal insurance, roof inspection, spring, spring cleaning, Spring preparation, trim trees
As I’ve mentioned before in previous blogs, I find it sad that personal insurance has gotten commoditized to the point where many consumers buy based upon funny commercials and/or cheapest price. However, it’s a battle that agents face every day…
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Category: Home, Personal
Tags: cash out settlement, coverage choices, coverages, deductible, dwelling coverage, homeowners, homeowners insurance, homeowners policy, independent agent, insurance quote, perils
As the end of summer is approaching, now is a good time to revisit the phenomenon of hail and the possible damage it can do. As the National Severe Storms Laboratory indicates, hail is a form of precipitation consisting of…
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Category: Claims, Home, Personal, Weather
Tags: hail, hail damage, hail storms, hailstones, home, homeowners insurance, homeowners policy, roof, roof damage, severe weather, weather losses
This is the time of year I often receive questions about the coverages needed to protect students who are going away for school. These requests are common for parents sending their children off to college for the first time. College…
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Category: Financial, Home, Liability, Personal, Umbrella
Tags: additional interest, college, college student, college students, dorm room, homeowners policy, personal liability coverage, personal property, personal property coverage, Personal Umbrella, personal umbrella policy, renters insurance
A few years ago, my dad started his own archery business out of his and my mom’s garage. He LOVES hunting and has a passion for helping others improve their hunting experiences, whether it’s buying a new bow, fixing a…
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Category: Business, Claims, Commercial, Financial, Home, Household Inventory, Independent Agents, Liability, Personal, Trusted Choice
Tags: commercial, commercial insurance, commercial policy, home business, home business policy, home insurance, home office, home-based business, homeowners insurance, homeowners policy, independent agent, liability, liability claims, merchandise, slip and fall, slip and fall accidents, small business, Trusted Choice
Our office had a couple of interesting conversations regarding digging up yards recently. In one instance, the husband of one of our account managers started to dig up someone’s yard to help them replace sewer lines. To his surprise, when…
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Category: Claims, Home, Personal
Tags: corrosion, coverage, decay, deterioration, drainage system, endorsement, homeowners insurance, homeowners policy, perils, rust, sewer lines, underground piping, utility line, wear and tear
If the wind was strong enough to pick up Dorothy and Toto and pull her entire house into a tornado and send them to the magical Land of Oz, there is no telling what it could do to your property….
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Category: Claims, Home, Household Inventory, Liability, Personal, Prevention, Risk Management, Weather
Tags: hail, home, home maintenance, home repair, homeowners policy, property damage, rain, Safety Tips, spring, storm, storm damage, storms, tornadoes, tree, tree damage, tree damage property damage, trees, wind, wind claims, windstorms
There are a few homeowner insurance coverages that almost everybody has but very few think about. Personal liability is one of those coverages and even lower on the totem pole is medical payments coverage. However, that doesn’t mean it isn’t…
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Category: Central, Claims, Liability, Personal
Tags: bodily injury, comprehensive protection, coverage, coverage limits, exclusion, homeowners insurance, homeowners policy, medical payments, Personal, personal liability coverage, protection, slip and fall, slip and fall accidents
With Groundhog Day coming up this Sunday, what do you think Punxsutawney Phil will see when he emerges from his burrow? I’m hoping it’s cloudy and he doesn’t see his shadow, so SPRING can arrive early this year! Spring is…
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Category: Home, Household Inventory, Personal
Tags: coverage, coverage limits, declutter, donate, home insurance, home inventory, homeowner policy, homeowners insurance, homeowners policy, household inventory, insurance policy, policy limits, spring cleaning
I’m still on Cloud Nine from my wedding day a couple weeks ago! I find myself looking down at my ring finger daily, not only because my rings are beautiful (if I do say so myself), but they are also very valuable…
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Category: Financial, Home, Household Inventory, Personal
Tags: homeowners insurance, homeowners policy, jewelry, Personal, personal insurance, personal jewelry, renter's policy, renters insurance, valuables, warranty