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Renters Insurance Usually Covers Dog Bites, But There are Some Exceptions

January 20, 2021 By Melanie Bosse

According to the Insurance Information Institute (III), 67% of American households own a pet and dogs account for 63% of them. Unfortunately, sometimes dogs bite. Approximately 4.5 million Americans are bitten by dogs yearly and the average cost of a dog bite claim is $44,760, according to the III. Does Renters Insurance Cover Dog Bites? […]

Filed Under: American Heritage, Pets, Renters Tagged With: are pets covered under my rental policy, cost of a dog bite claim, do i need renters insurance, does renters insurance cover dog bites, dog bites and renters insurance, renters insurance, renters insurance and pets

Why College Students Living Off-Campus Should Have Renters Insurance

January 13, 2021 By Melanie Bosse

At the end of summer, parents typically pack up their college kids and head to the dorm or off-campus housing. There’s the usual checklist – towels, bedding, laptop, and laundry supplies. However, one item can be overlooked: renters insurance. Students living in college dorms may be covered under their parents’ homeowners insurance. However, college students […]

Filed Under: American Heritage, Renters Tagged With: do college students need renters insurance, do i need renters insurance in college, do you need renters insurance for a dorm, renters insurance and covid, what does renters insurance cover

What Renters Insurance Covers

January 6, 2021 By Melanie Bosse

Like any other insurance policy, renters insurance has exclusions, and knowing about them ahead of time can help you avoid unexpected bills in a disaster. Just as important, though, is knowing what is covered. All that fine print in your policy likely includes coverage you might not expect, which could save you money down the […]

Filed Under: American Heritage, Renters Tagged With: do i need a rental insurance policy, insurance for my apartment, renters insurance, what does renters insurance cover, what is covered under renters insurance

Car Insurance and Coronavirus: What You Need to Know

December 16, 2020 By Melanie Bosse

Car insurance is essential financial protection in case you get into a car accident that leaves you liable for damage, or in case your car gets stolen or damaged by another named peril. As long as your insurance is active and you are making your premium payments on time you will continue to be protected. […]

Filed Under: American Heritage, Auto, Money Tagged With: Auto Insurance, auto insurance discounts, car insurance, coronavirus and auto insurance, covid and car insurance

COVID-19 and Homeowners Insurance

December 9, 2020 By Melanie Bosse

The coronavirus pandemic has disrupted many aspects of society, but your home insurance policy will continue to function normally. Will Homeowners Insurance Premiums be Affected by the Coronavirus Pandemic? It’s hard to say with any degree of certainty what will happen to homeowners insurance rates. There are many factors to consider. First, people are staying […]

Filed Under: American Heritage, Home, Money, Pets Tagged With: covid and home insurance, home insurance discounts, homeowners insurance

COVID-19 is Prompting Families to Rethink Their Finances

December 2, 2020 By Melanie Bosse

COVID-19 has led families to cancel travel plans, get (semi!) comfortable with homeschooling kids and deal with all kinds of other inconveniences. As if that weren’t enough, it’s also making many families take a closer look at their finances and make sometimes difficult financial decisions. Life Happens recently conducted a survey that polled more than […]

Filed Under: American Heritage, Life Insurance, Money Tagged With: covid-19, covid-19 and money, families, family financial planning, finances, life insurance, Money

The Most Common Commercial Car Insurance Exclusions

November 25, 2020 By Melanie Bosse

Commercial car insurance is, as the name suggests, designed for vehicles used for commercial purposes. There are many differences between a commercial policy and a regular one, which covers personal-usage cars. There are greater coverage limits, greater reimbursement sums and the possibility of adding a fleet of vehicles. There are certain activities that will void […]

Filed Under: American Heritage, Auto, Commercial Insurance Tagged With: commercial auto insurance, commercial car insurance, commercial car insurance exclusions, having a car for my business, insuring my business car, what does commercial car insurance cover, what doesnt commercial car insurance cover

What Is Gap Insurance and How Does It Work?

November 18, 2020 By Melanie Bosse

If you drive a new car off the dealer’s lot, having made your deposit and looking forward to your first payment, but wind up in an accident that makes the car unusable, what recourse do you have? Guaranteed Asset Protection (GAP) insurance is the answer. What Is Gap Insurance? Guaranteed Asset Protection insurance protects the […]

Filed Under: American Heritage, Auto Tagged With: Auto Insurance, buying a new car, car insurance, do i need gap insurance, gap insurance, what is gap insurance, where do i buy gap insurance

How Much Car Insurance Do I Need? 5 Key Coverage Considerations

November 11, 2020 By Melanie Bosse

Of all the many adulting tasks we’re faced with, figuring out insurance is among the most confusing. Health? Life? House? Car? Yes! For car insurance, most state laws require every driver to have a minimum level of coverage, but how much and what type of coverage varies by state – so, should you get more […]

Filed Under: American Heritage, Auto Tagged With: adulting, Auto Insurance, car insurance, collision insurance, comprehensive insurance, Driving, how much car insurance do i need, liability insurance, uninsured motorist insurance, what type of car insurance do i need

Check Your Auto Insurance if You’re Going to Make Deliveries

November 4, 2020 By Melanie Bosse

With much of the country practicing social distancing and self-quarantines due to the coronavirus pandemic, many companies are looking for delivery drivers to get groceries, takeout meals and other items to customers. If you’re looking to pick up some extra cash as a delivery driver and using your own car, be aware of possible auto […]

Filed Under: American Heritage, Auto, Commercial Insurance Tagged With: automobile insurance, car insurance, commercial auto policy, delivery driver insurance, do i need insurance as a delivery driver, hired car insurance, non-owned insurance, uber insurance

What is Personal Cyber Insurance and Why Do You Need It?

October 28, 2020 By Melanie Bosse

When you hear, “cyber attack,” you likely think of data breaches at a large company or retailer, but do you ever consider that you could be personally attacked? From a surprise virus to a deliberate rental scam, to deeply hurtful cyber-bullying, the threats you and your family face in the connected world are real and […]

Filed Under: American Heritage, Cyber Tagged With: cyber insurance, cyberbullying, insurance coverage for cyberbullying, insurance for cyber attacks, personal cyber insurance, private cyber insurance, ransomeware

Does My Small Business Need Cyber Insurance?

October 21, 2020 By Melanie Bosse

Most businesses invest in physical security and general liability insurance, but cybersecurity is usually limited to a firewall and some antivirus software. Unfortunately, this leaves many small businesses exposed to the high cost of cyber attacks – which are increasing in frequency. According to Gartner, a global research and advisory firm, 43% of major data […]

Filed Under: American Heritage, Commercial Insurance, Cyber Tagged With: business insurance, cyber liability, cyber security, data breach, does my business need cyber insurance, small business cyber insurance, small business cyber risks

The Cost of Your Employees’ Fingerprints

October 14, 2020 By Melanie Bosse

In January 2019, The Illinois Supreme Court upheld consumers’ rights to sue companies for collecting their fingerprints without explicit consent. This precedent-setting case, Rosenbach v Six Flags Entertainment Corp, was the first to extend the interpretation of the Illinois Biometric Information Privacy Act (BIPA) holding that individuals do not need to prove they were actually […]

Filed Under: American Heritage, Cyber Tagged With: biometric data, consumer security, cyber insurance, cyber liability, cyber security, employee security, fingerprints, privacy rights

Personal Cyber Insurance: Protecting Our Digital Lives

October 7, 2020 By Melanie Bosse

It is often said that smartphones are more powerful than the computers used in the NASA 1969 Moon landing mission. The 2KB memory of the Apollo 11’s guidance system is tiny compared to today’s Apple or Android handsets. When coupled with always-on internet access, these devices open up a world of possibilities – but many […]

Filed Under: American Heritage, Cyber Tagged With: cyber breach, cyber insurance, cyber security, online security, ransomware

Should You Seek Out Umbrella Insurance?

September 30, 2020 By Melanie Bosse

Your son blinds a playmate with his BB gun. Your daughter rear-ends a car, causing serious injuries to its driver. A neighbor breaks his neck by diving into the shallow end of your swimming pool. Your teenager’s friend drinks liquor at your house, then paralyzes another driver in a car crash. You serve on the […]

Filed Under: American Heritage, Umbrella Tagged With: umbrella insurance

Does Your Business Need Commercial Umbrella Insurance?

September 23, 2020 By Melanie Bosse

When you hear the term “commercial umbrella insurance,” what comes to mind? Many business owners aren’t entirely aware of what this type of coverage entails, or even what it means. Today, we are going to give you the answers to your most pressing questions on the topic! What is commercial umbrella insurance? Commercial umbrella insurance […]

Filed Under: American Heritage, Commercial Insurance, Umbrella Tagged With: commercial umbrella coverage, commercial umbrella insurance, do i need an umbrella policy for my business, what does an umbrella policy cover

What’s Covered by Umbrella Insurance?

September 16, 2020 By Melanie Bosse

Homeowners insurance protects you if, say, a fire burns your house to the ground. That’s a start. But you also need to think about protecting your home against something equally dangerous: a lawsuit. If a houseguest slips in the bathtub, you could get sued. Lose the lawsuit and you could lose all of your assets, […]

Filed Under: American Heritage, Auto, Commercial Insurance, Home, Small Business, Umbrella Tagged With: commercial umbrella insurance, personal umbrella insurance, umbrella insurance, what does umbrella insurance cover, what is umbrella insurance

What is Commercial Umbrella Insurance?

September 9, 2020 By Melanie Bosse

Commercial umbrella coverage gives you extra liability coverage to help pay costs that exceed your general liability or other liability policy limits. Without this business insurance coverage, you’d have to pay out of pocket for expenses that cost more than your coverage limits, such as: Legal fees Medical bills Damage expenses A commercial umbrella policy […]

Filed Under: American Heritage, Commercial Insurance, Small Business, Umbrella Tagged With: business umbrella coverage, commercial umbrella insurance, commercial umbrella policy, how much is umbrella insurance for my business, umbrella insurance, what is umbrella insurance

Umbrella Insurance is the New Liability Coverage

September 2, 2020 By Melanie Bosse

It seems as though the wealthier an individual is, the higher the risk of being sued. It’s just one of the downsides of being affluent, especially if that person is also a business owner. In opportunistic lawsuits, primary policies like standard car insurance, home insurance and a business owner’s policy do not fully protect a […]

Filed Under: American Heritage, Auto, Home, Money, Small Business, Umbrella Tagged With: commercial umbrella insurance, do i need umbrella insurance, liability coverage, liability insurance, personal umbrella insurance, umbrella insurance, what does umbrella insurance cover, what is umbrella insurance

Trucking’s Road to Zero Emissions

August 26, 2020 By Melanie Bosse

At the Work Truck Show’s Green Truck Summit in Indianapolis this past March, emcee John H. Davis, who has hosted and executive produced the PBS program “MotorWeek” for nearly 40 years, pointed to California’s recent regulations on truck emissions as some of the preeminent omens affecting the future of fleets’ operations and bottom line. He […]

Filed Under: American Heritage, Truck Insurance Tagged With: commercial trucking insurance, fleet insurance, fleet owner, fuel efficiency, truck insurance, zero admissions trucking

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