Whether you are an entrepreneur with one commercial truck or your company uses a fleet of trucks, you need commercial truck insurance tailored to your business and your risks. Perhaps you have drivers who make deliveries, or you have trained and certified commercial truck drivers who drive tractor trailers and deliver freight cross-country. No two […]
House Rentals vs. Apartment: Which One is Right For You?
Choosing between renting or buying a home is already a hard choice for a lot of people. If you decided to rent, there’s also the question of whether you will be renting a whole house or apartment. Depending on your circumstances, a different option might be better for you. Here are the advantages and disadvantages […]
What Being in an Apartment Fire Taught Me About Renters Insurance
Around 2:35 p.m., Monday, August 27th, my apartment caught on fire. In the space of approximately 35 seconds, I gathered a few possessions in a laundry hamper as reddish-orange smoke curled through the window, and ran. The fire had started spontaneously in the next-door neighbor’s electrical system. Since buildings are packed tight in San Francisco, […]
Tips for First Time Renters
Renting your very first apartment is a natural stepping stone of moving out of mom and dad’s house. The freedom of moving out on your own is very exciting, but it does come with a lot more responsibilities as well. Being a first-time renter is a really big deal. You’re on your own and can […]
Should You Allow Pets in Your Rentals
Eventually, every landlord has to decide whether they should allow pets in rentals. It can be tough decision, especially if you are new to real estate. On one side, allowing pets in rental your property can broaden your market for prospective tenants, boost your annual income, and possibly keep tenants longer. But there are also […]
A Beginners Guide to Renters Insurance
A renters insurance policy refers to a series of coverages intended to provide protection to renters living in an apartment or a house. These policies are typically comprised of three types of coverage to protect the insured person, the insured person’s living arrangements, and his or her belongings after a covered loss. Noted insurance agency […]
6 Tips to Help Deter a Break-In
Every 13 seconds, a burglary occurs somewhere in the U.S., adding up to approximately 2.5 million burglaries each year, according to Alarms.org. Two-thirds of those crimes are home break-ins, and if it were not for home security systems, that figure could be significantly higher – a study from UNC Charlotte found that 83% of convicted […]
What to Know About Insuring a Historic Home
Whether your historic home is new to you or has been in the family for generations, an essential element of taking care of the property is adequate insurance. “Insuring a historic home can be very different from insuring a newer home,” said Dawn Meadows, an insurance adviser with Clarke & Sampson in Alexandria, Va. “The […]
Alpaca Stampede, Spoiled Wedding Cake, Teacher Defamation – What’s the Insurance Link?
Picture this: Your next-door neighbor Gary runs an alpaca farm. Most of the time, the alpacas are happy springing along, munching on grass, and looking cute. But one one occasion, a dog agitates the group, and the alpacas storm their enclosure and stampede over your property, leaving a trail of damage in their wake. While […]
How Smart Home Technology is Influencing Home Insurance
By now, most Americans have grown accustomed to smart devices. Whether it is a smartphone or a smartwatch, we interact many times a day with some sort of smart device. These gadgets have changed the way we live providing unprecedented convenience and productivity. Smart devices in the home are no different. Over the last few […]
Does Nonprofit Insurance Protect Your Volunteers?
Not all nonprofit liability insurance policies cover the actions of people volunteering with your organization. To protect yourself against injuries to volunteers and property damage caused by volunteers, make sure your nonprofit coverage extends to volunteers as well as employees. Do I Need to Cover Volunteers on my Nonprofit Liability Insurance? When you purchased nonprofit […]
Wedding Insurance Coverage
What is Wedding Insurance Coverage? Wedding insurance is special event insurance that provides coverage for wedding mishaps such as venues closing, vendor no-shows, extreme weather, damaged gifts, sickness or injury and more. Optional liability and liquor liability coverage are also available to protect your interests from unfortunate mishaps such as slips and falls or damage […]
Special Event Insurance
Many businesses sponsor events like conferences, receptions, exhibitions, and festivals. Such events can generate claims against the event sponsors. To protect themselves, businesses can purchase a type of liability coverage called special event insurance. This coverage applies to claims by third-parties for bodily injury or property damage sustained during an event sponsored by the business. Special event […]
Wedding Insurance 101
Though you might not want to think about it, disasters can strike your wedding day. From a sudden cancellation to stolen gifts to a damaged gown, wedding insurance can help protect you against the unforeseen, and can also afford you great peace of mind. But what exactly is wedding insurance – and how does it work? Here’s […]
10 Facts You Should Know About Weather-Related Home Insurance Claims
Weather-related home insurance claims can be a whole separate ball game from other home claims. “Weather losses are always more complicated because you’ve got thousands of people experiencing losses at the same time. These events are taxing on the entire community, whereas if you have one loss, such as a water main break in your […]
Severe Weather is a Wake-Up Call to Check Your Insurance
If you’ve watched the news recently, you’ve noticed that intense storms are becoming more regular, with some catastrophic results. Whether the issue is the wind damage from a hurricane, water damage due to torrential rains, or the property damage caused by a wildfire, weather-related damage is a growing concern. The increase in severe weather means […]
Mudslide vs Landslide: What’s the Difference?
Picture the scene. Massive trees have fallen, downed electricity poles, damaged cars and other materials scattered on the ground. Every year, in all areas of the United States, both mudslides and landslides occur, leaving devastation and destruction in their path. Cincinnati regularly sees mudslides along Columbia Parkway and within the past few years, a landslide […]
What You Need to Know About Flood Insurance
Flood insurance is an important policy for most homeowners to have. But only about one in seven homeowners purchase this critical safety net to protect them from the ravages of flood water. What is Flood Insurance? Flood insurance is a specialized policy that protects your home and belongings against damage from flood waters. If you’re […]
Climate Change May Affect Your Homeowner’s Insurance Policy in Two Ways
You only need to watch the news once to understand that weather events have become more dramatic over the past 10 years. According to Maryland State Insurance Commissioner Al Redmer, whether you’re talking about tornadoes, floods, hurricanes, or wildfires, “Both the number and severity of natural disasters have increased” – and so have the number […]
Everything You Need to Know About Crop Insurance
Crop insurance protects farmers and agricultural producers against the loss of crops as a result of extreme weather, like floods, hail, and drought, or the loss of revenue due to price fluctuation in the agricultural commodity market. There are two types of crop insurance available to farmers in the U.S. : crop-hail insurance, which is […]