Category Archive for "Blog"
Insurance Implications When Purchasing a New Home
When your clients are trying to choose their dream home, they usually have a list of what they want that goes beyond the size of the house. Factors such as location, property taxes, school district, and available recreational opportunities in…
Home Inventories
January is a great time to get organized. And while you are doing it, be sure to take a moment to do a quick home inventory. Having this info is invaluable if you have to make a claim. Below are some tips…
Ten Ways For Your Client To Secure Their New Home
Did you know in the United States, a burglary happens every 16 seconds according to the FBI? While we are in business to insure against catastrophes, we work hard to help prevent losses such as this. If you just sold a…
After The Floods
As the flood cleanup continues, we have had a lot of calls regarding flood insurance. Here are some important points to remember: *A flood occurs when two or more properties or two or more acres of land that are normally…
Mobile Devices: Addressing the Risks
In today’s world, we are all extremely depending on our mobile devices such as our IPhone, Macs or laptops, and even the new Apple Watch. While everyone understands the dangers of texting and driving, we don’t always consider the other risks…
Renter’s Insurance
Today I want to share some information regarding condominium insurance. Let’s assume you are purchasing a condo to rent to others, such as a condo at the beach. It’s important to know that once you rent or make your condo available for rental,…
Insuring a Home Based Business
Have you or someone you know planned to operate a business out of your home? The U.S. Small Business Administration (SBA) reports that over half of all small businesses in the United States today are home-based businesses. We’ve seen this growing trend in…
Why Does Reconstruction Cost More Than Construction?
By Ginger Carlon From time to time, a client will question the appraisal value of their home because they feel the amount is too high. Our Personal Lines team often has to address why the cost to rebuild or reconstruct a home…
Do My Business and Personal Risks Overlap?
In today’s market, we see that many times a client’s business liability and personal risks can overlap. We can work with you to protect your assets, advise you of potential risks, and keep you abreast of market changes and coverage. We believe it’s…
What Does Homeowner’s Insurance Really Cover?
By Ginger Carlon When I started my insurance career in 2004, I knew little to nothing about insurance. One of my first questions was regarding what my homeowner’s insurance policy covered. I really had no idea. What I learned is that the home…