Special Insurance

It’s hard to determine how much insurance you need when protecting your home or business investment. While your insurance agent can help you figure out a good place to start, no one can predict the future or what type of events will occur that will require you to tap into your various insurance policies. For example, it can be challenging

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Flood insurance rates are on the rise. The National Flood Insurance Program is looking to overhaul its risk assessment model. The NFIP wants to change under-priced policies while they attempt to deal with debt. Congress eliminated some of the debt to help deal with the aftermath of Hurricanes Maria, Irma, and Harvey. However, a new wave of floods has led

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Business owners are required by law to carry workers’ compensation insurance on themselves or their employees. While a business owner can file an exemption that makes it possible for him to avoid purchasing the policy, it’s quite beneficial for those who would prefer to have the additional coverage for themselves. Protecting themselves with a Worker’s Compensation policy can mean the

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Take these steps to prepare your boat for spring use. Now that temperatures are warmer and the weather is clearing up, you may be thinking about taking your boat out of winter storage.  However, before you can hit the open water, make sure your boat is ready to take the plunge.  Here are some of the things that you should

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Why having renters insurance benefits you. While homeowners understand the importance of having the right homeowners insurance, renters don’t always feel the same.  This is because many assume that renters insurance only provides coverage for their personal belongings.  However, this simply isn’t the case.  Read on to learn about all the coverage included in a renters policy. Personal Property Coverage

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Here’s why securing renters insurance is in your best interest. If you are renting a home or apartment, then you might assume that your landlord is responsible for insurance.  While it’s true that your landlord must secure insurance coverage for physical damages to the property, this is where their obligation ends.  Therefore, it is up to each individual renter to

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What is insurance fraud? Insurance fraud is a serious crime that is punishable by law.  However, many people do not actually know what insurance fraud is or why it is so bad.  To ensure that you do not get involved in this illegal activity, here’s what you need to know about insurance fraud. What is Insurance Fraud? In general terms,

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Here’s how scheduled personal property insurance can help you fill your homeowners insurance coverage gaps. Like any other insurance policy, your homeowners insurance is subject to certain coverage limits. For instance, the personal property coverage offered by your policy is subject to specific dollar limits. These limits can make it difficult to completely cover high-value belongings such as jewelry, fine

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Fill your coverage gaps with the right personal umbrella insurance policy. Even if you have the right home, auto, and other personal insurance policies in place, this does not necessarily mean you are completely covered. Every policy has a coverage limit and, if a major liability issue exceeds your limits, you will be left fending for yourself. Fortunately, you can

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Here are some of the insurance coverages your kid might need this school year. If your child is heading off to college this fall, it’s important that they are ready to handle everything that comes their way. One of the best ways to ensure that your child is prepared is by securing the right insurance protections for them. Here are

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