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Equipment Breakdown Coverage Explained

Boiler & Machinery is an antiquated term once used to describe a separate policy that offered coverage for causes of loss such as mechanical breakdown, electrical surges, explosion of steam boilers, steam pipes, etc. This separate policy was needed because…

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Should I Clear the Snow from my Sidewalk?

Winter is here and so is the age-old question: should I clear the snow from my sidewalk? To be completely honest, I had to do a little research on this, as I have been told “yes” as many times as…

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Pets and Homeowner Insurance Policies

My family recently added a new member in the form of a two-month-old kitten, and as part of the adoption process, we were provided with a month’s worth of free pet insurance from the shelter. While that was a nice…

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Governmental Issues and Homeowner Insurance Policies

I am just finishing up a week-long vacation in Florida with my wife and several other couples, and as it happens every time I’m out during an extended period with others, the topic of insurance eventually came up. “What happens…

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Now’s the Time! Prep Your Property for the Coming Cold Weather

The thought of doing outdoor work in the cold weather isn’t overly appealing. With the fall season here and some cooler weather in store, it’s time to start thinking about that to-do list to make sure you don’t have any…

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Vacant Property Doesn’t Mean Vacant Worries

So my commercial building has become vacant…what’s the big deal? When a building is vacant, a small problem can quickly become a big problem. For example, a property in my neighborhood became vacant last fall. The bank that owned the…

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Renters Insurance Myths Busted!

I’ll be the first to admit that when I rented an apartment during my senior year of college, I didn’t have renters insurance. Looking back, I’m lucky I never needed it. At the time, I told myself that the likelihood…

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Safety First When Celebrating Labor Day!

There’s one thing I always say to my younger siblings when I know they’re hanging out with family or friends on a holiday weekend. “Be smart! Be safe! Have fun!”

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Home-Based Businesses: Are You Properly Insured?

I recently read an article that reiterated how important it is for individuals who operate home-based businesses to be properly protected. In short, the article detailed how a participant in a Zumba class (which happened to take place at a…

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Tee Up The Right Coverage For Your Golf Course

Fall. Although the shorter days and cooler temperatures mark the beginning of many exciting seasons – football, hunting, festivals, holidays – unless you are blessed to be living in the South, it also marks the end of one of the…

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