You’re moving in to your first place. Maybe you are living with three roommates or maybe you are living completely on your own. Whatever your situation is, you are likely going to have a lot more expenses than you anticipated. An important step towards ‘adulting’ is setting a budget. But we hear this time and […]
You just moved into your first off campus residence. Here’s what you need to know.
Moving out of the dorms and into an apartment is a huge lifestyle change. While you may have had a roommate sharing a bedroom space, you might have multiple roommates, plus a kitchen and living area to take care of now. Balancing more people and more space can bring on new challenges. There will be […]
Does Renters Insurance Cover Bed Bugs?
Bed bugs are often associated with travel and hotel rooms, but your home is hardly a safe haven from the dreaded pests in fact, pest control professionals find bed bugs more often in single family homes, apartments and condominiums than in hotels and motels, according to the most recent Bugs Without Borders survey by the […]
Moving in to your first apartment? Don’t forget to pack insurance!
Moving in is an exciting time! You finally have a space of your own and with it new freedom and responsibilities. But there’s a lot to think about during this time. You have to consider your budget, which belongings will come with you to your new place, and what you’ll need to buy for your […]
5 Misconceptions about Home Insurance Vs. Specialized Jewelry Insurance
While most people count on the scope of their renters or homeowners insurance policy to cover their precious assets, they may find that coverage insufficient in the face of a potential loss. In most cases, the value of a single broad policy is outweighed by that of specialized jewelry insurance policies. Contrary to popular belief, […]
Does Homeowners Insurance Cover Treehouses?
Because of the potential fun and entertainment value, if you have a large, healthy tree in your yard, a treehouse can seem like a tempting proposition. Before you start construction on your new treetop hangout, however, it is important to think through potential insurance ramifications to understand where you may be at risk. Specifically, you […]
Uncorking The Basics of Wine Insurance
Many of us simply open a $15 bottle of wine, pour a glass and sip it. Other people savor the art of collecting wine, whether it’s for pure pleasure or as an investment. But some of those collectors fail to insure their valuable vino – wines that can fetch hundreds of thousands of dollars per […]
What is General Liability Insurance for a Small Business?
As a small business owner, you’ve put in years of hard work and dedication to make your dream a reality. But what if a customer accidentally slips and falls in your store? Or if one of your contractors accidentally damages a customer’s property while working on a job? These unexpected events could create a major […]
Who Covers Company Equipment Stolen or Damaged While Employees Work From Home?
Earlier this year, John Sebak handled an insurance claim filed by someone who was working from home and got into a car accident. The accident destroyed a computer owned by the person’s employer. “The car insurance didn’t cover it, but their home insurance policy did,” said Mr. Sebak, owner of Sebak Insurance Agency in Natrona […]
Insurance for Home Day Care Businesses
When caring for children in your home, having the proper insurance is essential. Here are a few considerations when selecting a home day care insurance policy. What is Home Day Care Insurance? Home day car insurance, also known as child care insurance, protects care providers from the unique risks at-home day cares may face. While […]
Home-Based Business Insurance Explained
With millions of Americans losing work this year, it’s not surprising that home-based business startups are gaining popularity. About one in five homeowners reported they had launched a home-based business in the last six months, according to a recent online poll conducted by The Harris Poll on behalf of The Hanover Insurance Group. While starting […]
Special Events Insurance
As a business owner, there will likely be a time when you host or organize a special event for employees and/or clients. In doing so, you want to ensure that you and your company are protected against anything that can go wrong during the event. The size of an event can range from small to […]
Six Things Non-Profits Need to Know About Special Event Insurance
Holding a special event is a great opportunity for non-profit organizations to draw awareness to their cause and raise money to help expand their impact. However, even with the best intentions and careful planning, there are still risks. Third-party claims of bodily injury, reputation or advertising injury, or property damage can drain a non-profit organization […]
Event Insurance for Various Types and Locations of Events
Whether it’s an audience of ten thousand or something more intimate, you open your space to the public, and to the people who know how to draw a crowd. This, in turn, exposes you and your venue to certain risks that can be managed with the right kind of venue insurance. Whether you need stadium […]
What Travel Insurance Covers Vacation Purchases?
Purchasing souvenirs is always a highlight when you’re on vacation. Sometimes they’re pricey or unique to the destination you’re visiting. Or sometimes the items seem like value-packed deals. While most travel insurance policies can offer coverage for luggage that is lost, stolen, or damaged, be sure to read your policy for limits. “This benefit typically […]
When He Pops the Big Question, Say “Yes!”…to Wedding Insurance
Your wedding should be a day of celebration and one of the most memorable days in your life. You’ve planned for months, put down thousands of dollars in deposits, contracted with numerous vendors, and invited the most important people in your life. But a disaster can strike at any time, and your wedding is no […]
RV Insurance 101
Recreational vehicles, or RVs, include a wide range of motorhomes, from camper vans to bus conversions, organized by classes: Class A, B and C. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time and other factors. The classes of RV include: […]
A Complete Guide to Motorcycle Insurance
Whether you’re a road warrior seeking adventure or you’re just looking for a way to get around town, there’s nothing quite like driving a motorcycle. As you would with a car, you’ll need insurance if you want to protect yourself, your passengers and your investment. And just as you’d shop around for auto insurance quotes, […]
Tips for Buying Boat Insurance
As an experienced boater, you probably know a thing or two about boat-insurance policies. For instance, when buying boat insurance, you’d likely ask whether the policy pays the agreed value or the actual cash value of the boat. Also, you may know about a trend similar to auto insurance in which boat insurers now offer […]
Soaring US Solar Insurance Costs Turn Spotlight on Site Protection
US solar developers are bearing the brunt of climate change as more frequent extreme weather events hike insurance costs. Hail storms, tornados and wildfires have pushed up insurance premiums for solar projects, impacted the scope of policies and reduced availability. Property and casualty insurance premiums for solar plants have increased by as much as 400% […]