Car Rental Coverage

We frequently gets calls from customers wondering if their rental vehicle is covered by their auto insurance policy while on vacation.   If you have a personal auto policy, it has specific coverage provisions that address whether an accident in a rental vehicle is covered. Let’s look at a common example:   You take a…

Do I Need Flood Insurance?

If you live in a 100-year floodplain and have a mortgage, you don’t have to wonder if you need flood insurance – it’s required as a condition of your loan. If flood insurance is not required as a condition of your mortgage, you’re not obligated to carry it. However, there are a few things that…

Are You Ready to Ship Out?

The new boating season is upon us … are you and your boat ready?   Imagine sitting on your boat, enjoying the crystal-clear waters and sunny, blue skies. To help ensure that time spent on your watercraft is safe and enjoyable, there are several items to take into consideration when preparing to launch a boat…

Claims: Spring Storms: Are You Ready?

Spring is a wonderful time of year. Unfortunately, it can also bring major storm activity in the form of torrential rains, hail, high wind, tornadoes or whatever else Mother Nature wants to throw our way. Being prepared to protect your home and contents is important. Rain, rain, go away… Make sure gutters are clear of…

spring is coming….Are you thinking about cleaning and home repairs?

Well this week, it certainly feels like Spring is close…and that maybe I should think about cleaning and having repairs done on the house.   A certificate of insurance is a good thing to request from any type of contractor or repairman who does work on your home. It will  provide you with your contractors insurance information, just in case there is damage to your…

Raking Leave or Yoga ?

The beauty of the changing seasons is a wonderful sight, but make sure that when those leaves fall you know how to safely clear your lawn!  Raking leaves is a family affair in our household…shhhh don’t tell my kids, otherwise they are making other plans for that afternoon.   To help keep everyone from being injury free from doing…