One of the best things about living in America is the right to a fair trial if you’re accused of wrongdoing – and the right to bring someone else to trial if they wrong you. It can also be one of the worst. The right to due process is crucial to any free society, but […]
Umbrella Insurance 101
Umbrella Insurance is a form of liability insurance that will supplement your basic liability policies, such as your auto, home or renters insurance. An umbrella liability policy covers a much higher limit and goes above and beyond claims directly relating to your home and auto. The main purpose of your umbrella policy is to protect […]
Shield Your Family
You are more connected than ever and criminals know the information accessed by your family is valuable. Criminals steal passwords, data, money and identities. Even worse than financial loss is the threat of cyber bullying and reputational harm. Western Reserve Group has Personal Cyber and Identity Fraud Coverage that helps you by guarding your loved […]
What is Personal Cyber Insurance and Why Do You Need It?
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 […]
Chubb Launches Personal Cyber Protection Coverage
As a supplement to a a Masterpiece Homeowners policy, Chubb’s Cyber coverage offers individuals and families in North America enhanced protections for cyberattacks that lead to extortion and ransomware, financial loss, cyberbullying, cyber disruption, and breach of privacy. Additionally, clients benefit from discounted access to third-party resources, with tools ranging from how to secure network […]
Personal Cyber Insurance: Deploy in Case of Attack
Your “internet of things” – that network of smart TVs, video game consoles, refrigerators and thermostats that make your life easier – poses a security threat. Where there is a threat, there’s (usually) insurance. Until recently, cyber insurance has been a product for businesses; now it’s an option for individuals. Personal cyber insurance pays out […]
Personal Cyber Insurance: What Does it Protect You From?
We have heard about increasing cyber crime and cyber attacks in today’s connected world, but do you know about what risks you face online as an individual or whether your home insurance covers you if you are a victim of internet or cyber crime? The more connected we become, the more people worry (or don’t […]
10 Dog Breeds Most Often Blacklisted by Home Insurance Carriers
Although domesticated dogs may seem quite friendly and approachable, there are occasions when they can be dangerous. There have been a number of cases in the U.S. involving vicious dog attacks on both humans and other pets. The breed of dog you own could make it more difficult to secure Homeowners insurance. Insurers are hesitant […]
Dog Bite Liability
Almost 90 million dogs are owned as pets in the United States according to a 2017-2018 survey by the American Pet Products Association. According to the Centers for Disease Control and Prevention, about 4.5 million people are bitten by dogs each year. Among children, the rate of dog-bite related injuries is highest for those 5-9 […]
Common Questions About Renters Pet Insurance
According to the 2018 National Pet Owners Survey conducted by the American Pet Products Association (APPA), 68% of US households, or about 85 million families, own a pet. What’s more, an even higher share of renters have pets. This is surprising to hear, not only because of the rise in no-pet policies in condos but […]
What is Pet Insurance and How Does it Work?
Pet Insurance reimburses you for your dog or cat’s unexpected medical bills. Pet Insurance with American Heritage is done through the Figo Program. How Does it Work? Your pet is treated at any veterinarian for sickness or injury and you submit the bill to Figo for reimbursement by simply snapping a photo of your vet […]
How Hybrid and Electric Vehicles Affect Your Auto Insurance Quotes
For many hybrid drivers, ditching the gas guzzler for something a bit greener may be more about lifestyle than economics. But if you choose one of these vehicles, it could cost you when it comes to auto insurance quotes. Hybrid car insurance generally costs more than coverage for gas-powered vehicles, according to a 2008 study […]
Insuring Your Classic Car
A classic, custom, collectible or antique car requires insurance that reflects your vehicle’s uniqueness and value. If you own-or are thinking of owning-a special set of wheels, find out about the kind of policy you need. What Types of Vehicles Need Special Insurance? A classic, collectible or antique car is no ordinary car-and regular auto […]
The Cheapest Cars to Insure in 2019
**Study was done by ValuePenguin. Actual premiums may vary. Talk with your insurance agent for details regarding your own quote and vehicle.** We looked at 50 of the most popular models on the road to see which were the least expensive to insure. Our research showed that minivans and small pick-up trucks were, on average, […]
8 Insurance Points to Consider Before Buying a Car
Most people know they need insurance for their new car, but in the excitement of buying a vehicle they may not research it as carefully as they should. Skipping over this detail may cause financial problems almost as soon as you drive off the lot. “You need to shop for insurance before you ever step […]
Classic Car Insurance: What is it and How does it Work?
Whether you own a 1994 Ford Mustang SVT Cobra, 1966 Ferrari 330 GTC, 1941 Willys American Hot Rod, original Model T from 1923, or a other coveted collector car, you probably want to do everything you can to protect your investment and ensure many years of fun and enjoyment with your prized vehicle. That means […]
Beginners Guide to Motorcycle Insurance
It’s exciting to get started in the world of motorcycle riding. There’s lots to learn and lots to discover with endless amounts of fun to be had! Insuring your motorcycle, or scooter, is a significant expense and you’ll want to make sure you’re getting a competitive rate. Equally important, however, are the details involved in […]
Five Questions to Ask About Boat Insurance
Do you own a boat? Ever wonder what you should ask your agent or broker about insuring it? Here are some common questions with answers provided by Brad Seeley, senior marine product manager at Foremost Insurance Company. 1. Do I need insurance for my boat? Some people may think that their boat is adequately covered […]
ATV Insurance 101
What Does ATV Insurance Cover? ATV insurance can protect your finances in the event of loss, damage, an accident, injury or theft of your vehicle. Here are some details: Liability Coverage will cover the costs of bodily injury and property damage up to a determined amount if you cause an accident. It will also cover […]
Tips for Insuring Your Toys
All across the country, people put their motorcycles, boats, RVs, and classic cars in storage for the long winter, anxiously awaiting that warm spring day when the garage door rolls up and the engine purrs (or perhaps rattles) back to life. After a battery charge, a fluids check, and a few other tasks, you’re ready […]