When the weather is freezing cold one minute and then warmer than normal the next, the pipes in your home face the very real danger of freezing. The #1 homeowner claim we see is property damage that has been created by a burst pipe. The losses can be devastating. Even a crack as small as 1/8” can create a...

  Trick Or Treat!!! Halloween can be such a fun night for adults and kids alike! For homeowners, it can become a night filled with tricks that open your property to risks. We are speaking specifically about damage from vandalism and the liability risks that occur when people visit your home. Insurance claim data reveals that Halloween is among the worst days of the...

As specialists in the world of Property & Casualty Insurance, we thought it might be helpful to share some information for those who are just starting their journey into independence. Below you will find a guide to the types of insurance that should consider when you are starting this new adventure called Adulthood. Welcome! Auto Insurance If you have a...

If you’ve been receiving our newsletters for any length of time, you’ve heard us talk about rising insurance rates. Our partner companies automatically increase your coverage limits to keep up with the rising costs we are experiencing. Inflation has a direct correlation to rising insurance rates. With inflation in the United States reaching historic rates – the highest it has...

Many of our clients own multiple properties and divide their time between two homes. It’s important to make sure that you have taken all the necessary precautions to ensure that your property is protected while you are away. Below are some thoughts we’d like you to consider so that you can prevent potential damage. Tend to your Heating and HVAC...

BRRRR! Winter is coming up quick and with the last couple of years we’ve experienced, it makes sense to do all you can to prepare you home against the elements! Below is a checklist of a few items you can do before winter hits to protect yourself from potential damage: To Keep Visitors Safe Make Sure You… Check walkways and...

Insurance rates have been on the rise for quite some time. Between the rise in natural disasters, the economy, and the impact of the COVID pandemic, there has been quite a shift in the insurance industry. We believe in educating our clients and always try to do our best to share our expertise with you. It’s important to us that...

When it comes to purchasing homeowners’ insurance, we find that people often have questions when it comes to placing a valuation on their home. Most of the confusion seems to stem from an unclear understanding of the difference between the Market Value of your home and the Replacement Cost of your home. It is important to keep in mind that...

October is fire prevention month, so we feel it is important to take a moment to remind our followers of our best tips for preventing a fire in your home.   Below are 8 Important Steps to Fireproof Your Home Install A Central Station Burglar & Fire Alarm - We cannot state strongly enough that the most important precaution you...

I was recently asked by the editor of a local online publication a question: Why doesn’t home insurance cover storm losses? It was of course a very timely and important question. In the wake of Tropical Storm Ida, I was happy to offer my advice and wanted to be sure to share it with you! Why Doesn’t Your Home Insurance...