We know how busy life is.  You have too many obligations and not enough spaces open on your calendar to fit them all in.  You know you need insurance and you’ve heard about these great online companies that offer low rates and best of all, you can shop and obtain the homeowner's insurance you need without leaving home.  You think...

Halloween is a treat, especially for kids who will enjoy time with friends and piles of candy.  For homeowners however, it is proven to be a night filled with tricks that open your property to risks.  Insurance claim data reveals that Halloween is among the worst days of the year for home and auto claims related to theft and vandalism....

Important information about excess liability coverage A Personal Umbrella is something that EVERYONE should consider adding to their insurance portfolio.  In today’s litigious society, an excess liability policy, as it is sometimes called, gives you an extra layer of protection should some type of unexpected accident occur and you get sued.  A Personal Umbrella is affordable and it provides coverage...

When you think about the value of your home, chances are what comes to mind first is how much you could receive if you put a for sale sign in your yard tomorrow.  However, when it comes to insurance, the value of your home should be looked at a bit differently.   For the purposes of insuring your home, you...

Ahhh Summertime.  The kids are out of school and seemingly endless days of backyard fun will begin!  As much as you want to think your summer will be filled with sunshine and rainbows, accidents do happen and they happen more frequently during summer months. Being aware of backyard summer dangers is the first step towards a safer summer. Did you...

April showers bring… well, rain. April and May are our rainiest months and that kind of weather usually turns our thoughts to flooding and the damaging affects all that excess water can mean for our clients. Just a few inches of water can add up to 10's of 1000's of dollars in damage. Many people push flooding concerns out of...

Creating a smarter home means creating a safer home; Educating each client we serve means sharing information about the technology available to help limit the risks of damage to your home. We hope you find some of the information shared below valuable. Central Station Fire & Burglar Alarms When we discuss fire prevention, the single most important piece of advice...

In the event of a house fire, your family has only an average of 3 to 4 minutes to escape. That is frightening! Only 3 – 4 minutes. 30 years ago you had more time, as much as 17 minutes. But times have changed. The synthetic materials used to build your home and furnishings burn faster than the natural materials...

The past two years have been blockbuster years for catastrophes in America. Climate change has led to an increase in the severity of storms and wildfires. The warming has triggered more than just changes in the earth’s atmosphere. It has led to increased insurance coverage rates and policy limitations. Never has it been more finite that there is an underinsurance...

By Denise Koslowsky When I talk about insurance, which is quite often, sooner or later the conversation will come back to what I currently consider a crisis – the many homeowners who are underinsured. It is an easy topic to understand when you are speaking in regards to the homes devastated by wildfires in California or the homes torn apart...