Blog Posts
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Cell phone distraction affects and impedes driving for all but a few of us.
A recent study out of the University of Utah found that there are very few, a whopping 2.5% of those studied, who can actually multitask by driving safely and talking on their cell phone. Most of the rest of us, […]
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Citizens Homeowner Policy Coverage Gaps
Citizens Homeowner Policy Coverage Gaps In making a decision to use Citizens (either voluntarily or involuntarily), the customer needs to understand the differences between a Citizens policy and a standard Insurance Service Office (ISO) policy. This article summarizes some of the […]
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Fire Pit Safety
A backyard fire pit is great for family gatherings or parties with friends. It is imperative that you safely build and maintain a fire pit to avoid dangers from sparks. At the same time, every homeowner must have liability insurance […]
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Does your homeowners insurance policy cover the full value to replace your home or just what you think its worth?
Your home’s value may have dropped in recent years. But that doesn’t mean the cost to replace it has followed suit. When you initially buy homeowners insurance, the insurer typically calculates the rebuilding cost of your home by taking into […]
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A Look At Boat Insurance Coverage
Boat insurance is an important type of coverage, as boats can be quite expensive. You wouldn’t drive a car without insurance, and it’s a bad idea to drive a boat without appropriate coverage. Many different types of boat insurance are […]
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Insuring a Church or Non Profit Organization
Churches and non-profits often suffer naive misconceptions that parishioners or populations they serve are too grateful for their service or charity to sue when something goes wrong. Times have changed. Adequate insurance is necessary. It is important to choose an […]
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What is Terrorism Insurance Coverage
Historically, terrorism insurance was not offered by most insurance companies because the premiums were too difficult to calculate due to the enormity of a terrorist act. Most terrorist acts cost businesses millions of dollars, so terrorism insurance was never an […]
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Shopping Tips for Property Insurance
The most important tip: Think rebuilding cost, not real estate value, when insuring your home. If your home is severely damaged or destroyed, it may cost more to rebuild it than its current sales price. Shopping Tips For Property Insurance […]
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