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While the majority of people understand the importance of home insurance, very few understand that their home insurance may not prove beneficial if their home is vacant. Your home could be vandalized, burned down, or damaged in a storm and your home may not be covered by your current home owner’s policy. For this reason, if your home is vacant at any time, it is essential to learn about vacant home insurance and how it can benefit you.


Coverage for Vandalism

If your home is vacant, it is at risk of being vandalized. This if often true for homes that are for sale, are in between renters, or those that are simply vacation properties. The fact that they are empty makes them an easy target. In most of these cases, your home insurance policy will not cover damage caused by a vandal because there is no one living in the home.


Coverage for Renovation Period

Chances are likely that if your home is going under major renovations, you are moving out while they take place. This can put your home at risk, though. Whether a vandal breaks in or there is a fire, the damage may not be covered by regular home owner’s insurance. You will need to get a separate policy to cover your vacant home.


Rental Property Coverage

Unfortunately, if you own a rental home, the chances are high that it will be vacant at times. After all, it can take some time to find a good tenant. If something were to happen, such as a fire, during this period of vacancy, you may find that your regular coverage is not good enough. Vacant home insurance will cover your rental properties and, when you fill the vacancy, you can easily switch the coverage to a landlord policy.

Motorcycle riders experience a special kind of freedom that only they can understand. There are many reasons why people buy motorcycles such as they are fun to ride, are an economical way to get from point A to point B, and it is always easy to find a parking spot. The reasons to ride may vary from person to person but the dedication to the sport is constant. There are unique motorcycle safety issues that are connected to riding. Before getting on a motorcycle, a person must have special training, take tests, wear the appropriate gear, and get motorcycle insurance.

Safety is Number One

Each year there are more and more people who are taking to the road on a motorcycle. As the number of riders increase, the more motorcycle safety becomes an issue. Many states across the nation require motorcyclists to pass a standardized written and driving test. Most currently have some type of helmet law in place and require motorcycle insurance. There are risks involved in riding a motorcycle, and taking all the necessary precautions helps riders enjoy the ride.

Motorcycle Insurance Coverage

Insurance is there to protect the rider, the bike, and other vehicles. Motorcycles are a financial investment that can be protected with the right insurance coverage. There are minimum state requirements that often include insurance liability. Many different types of insurance options are available to motorcyclists that cover repair or replacement costs, medical expenses, legal fees, or liability claims. Insurance liability covers at-fault accidents and is often referred to as property damage or bodily injury insurance. Insurance can be purchased for street bikes, touring bikes, cruisers, scooters, and even motocross. This applies to both new and vintage types. Having the right insurance coverage gives riders the confidence they need to relax and enjoy the ride.

When Fathers Day is on the horizon, it’s only fitting to break out the charcoal and your favorite cuts of meat for a celebratory barbecue. However, before you usher forth the fire and brimstone, it’s important to consider a few home safety tips that are important not only on holidays but all year round.


First of all, it’s a good idea to consider the insurance coverage for your home and valuables. Even when you abide every safety precaution possible, accidents can happen. A fire can leave you homeless, devastated and at a loss of how to reboot your life. Proper homeowners insurance coverage can make sure that your assets can be replaced in dire situations.



With insurance coverage as a buffer, you’re almost ready to plan a Fathers Day celebration fit for a king. If you’re using a propane grill, you always want to make sure you check the valves for gas leaks prior to igniting the unit. An easy way to do this is by rubbing a bit of dish detergent and water onto the tank hose. When you turn on the gas, you’ll notice a leak because you’ll be able to see bubbles protruding from the hose. In the event of a leak, you’ll need to have your grill serviced by a professional immediately before use.


When using a charcoal grill or a grill pit with wood, make sure that any starter fluid you use is kept a safe distance from the grill, children, and pets. Always keep your grill away from chairs, railings, and low hanging branches. As long as you keep basic home safety tips in mind, your Fathers Day celebration should go off without a hitch. A homeowners insurance coverage policy can also make for an excellent Fathers Day gift, so consider thinking outside the box this year by giving your family a sense of security.

How Does Living Near the Ocean Affect Your Car?

There are a lot of advantages to living near the ocean: plenty of sunshine and warm weather, water sports, beautiful views, and glorious sunsets. Coastal living isn’t without its drawbacks, though. The salt and humidity found near the shore can cause a lot of damage to vehicles. Below you’ll find some of the effects of the ocean on a car and ways to protect your car from damage from living close to the ocean. Protecting your car from such damage is as important as maintaining your automobile insurance.


When your car is subjected to the salt spray and heavy dew of the ocean, it is likely to rust more quickly than it would otherwise. Water and the open air is all it takes for rust to form, and there is plenty of both near the beach. If you properly maintain your vehicle, especially the surface areas, you should have no problem keeping rust away.

Internal Damage

The inner workings of your vehicle are also subject to the effects of the ocean on a car. Salt will sit on an engine, especially if it is run infrequently. Camshafts, cylinders, brake calipers, nuts, and bolts can all begin to oxidize if not properly cared for. Special care should be taken during winter when extra dew is in the air.

Paint Loss

Paint damage can be caused by salty air and prolonged sun exposure. In areas where it is sunny year-round, the heat opens the pores of the paint which then allows more moisture in. When that moisture is full of salt, a paint finish may quickly lose its shine.

Ways to Protect Your Car from Damage from Living Close to the Ocean

A few common sense measures will help protect your vehicle. Protect your investment in your vehicle and insurance coverage. Never drive over sand; There is little more corrosive to your undercarriage than sand as doing so exposes it to corrosion.

 If possible, park in a garage. Any coverage is better than none, especially during the winter months. Wash and wax your vehicle regularly. Vehicles operated near the ocean will benefit from frequent internal inspections, as well.

To keep your car and yourself protected, keep your insurance coverage up to date. Call your local automobile insurance office for more information.

Boat Insurance is a Year Round Necessity

For many people, owning a boat is all about fun and freedom. Getting out onto the water represents a way for people to leave their cares behind and just relax. As some people say, “the worst day fishing beats the best day working.” Yet there are also responsibilities that go hand-in-hand with that cherished ticket to rest and relaxation.


One of those is making sure that nothing happens to your boat either on the water or back in its everyday storage spot. After all, most boats spend more time on the trailer than they do in the water. For this reason, making sure that you have adequate insurance coverage on your boat is almost as important as keeping a full set of life jackets on board.


Boat insurance allows the owner to rest easy knowing that they are protected from accidents at all times. While most people realize that they want marine insurance while the boat is in the water, they do not think about the many climatic challenges which can befall a boat that sits on dry land. Wind and water can take their toll just as much as sunken obstructions can.


Nor should it be forgotten that there are other boats out there on the water. Having a sufficient amount of boat insurance can mean the difference between a serious legal problem and a prompt settlement in the event of an accident or collision. Marine insurance for your boat is every bit as important as car insurance coverage is for your everyday vehicles.


Just as you wouldn’t leave your car uninsured until you needed to go to the grocery store, so too do you need to make sure that your boat has insurance coverage at all times. Accidents and weather events can happen any time, as can a unplanned day off that ends up out on the water. Make sure that you have the proper boat insurance and then enjoy the experience.

Most people enjoy spring time weather. However, hurricanes are more likely to occur after spring ends. Hurricane season starts in June and ends on November 30. Hurricanes can do a lot of damage and can be frightening to live through. Fortunately, there are things that you can do to stay safe during a hurricane. Below is a list of things that you can do in order to prepare for hurricane season:

Make Sure That You Have The Proper Insurance Coverage

You will need to review your insurance coverage before the hurricane season starts. Your homeowner’s coverage may be sufficient. However, you may also have to get hurricane insurance. Your homeowner’s insurance coverage will likely cover the wind and rain damages, but it may not cover flood damages. That is why you may have to get hurricane insurance. This form of insurance will cover any type of damage that the hurricane causes.

You may also want to review your commercial insurance policy and auto insurance policy. Your commercial insurance can cover damages that a hurricane causes to your building. It can also cover losses that occur if you are forced to temporarily shut down your business because of the weather. Auto insurance will cover damages that the hurricane does to your vehicle.

Take Inventory

Before the nice spring weather ends, you should take inventory of everything that is in your home or business. This will make it a lot easier for you to file an insurance claim.

Make An Emergency Kit

You should stock an emergency kit that has basic things that you will need to survive. First aid kit, change of clothing, essential medication, water bottles, non-perishable food items, batteries, flashlights, pillows, blankets, sleeping bags and personal hygiene items are some of the things you should put in an emergency kit.

Mother’s Day Gifts – One More Thing to Remember

With Mother’s Day almost upon us, chances are you’ve already found the perfect gift for that special mother in your life. And if that special gift is a piece of jewelry, have you thought about whether your current insurance coverage will be adequate enough to protect it?

With many homeowners insurance coverage policies, certain jewelry items require special riders, often called incidental insurance coverage riders, or jewelry insurance coverage.

This incidental insurance coverage lays out specific items of jewelry and their appraised value and offers insurance coverage for only those pieces named. Your insurance policy should state clearly whether you have jewelry insurance coverage.

If, after examining your policy, you notice that your homeowner’s insurance coverage does not cover specific jewelry items, you should talk with your insurance agent, and explain the jewelry items that you would like covered.

Recently purchased pieces, often only require you to provide the receipt of sale to establish the cost and coverage amount of the piece. However, if you are adding multiple pieces of jewelry to your coverage, your insurance agent may request that pieces purchased more than a few years ago be appraised by a jeweler to determine their current replacement value.

Although documenting and appraising jewelry to add to your homeowner’s insurance policy can be a little time-consuming, it is important if you wish to be adequately covered in case of theft or loss. Your standard homeowner’s policy will not usually cover the cost of all your jewelry items, or will cover jewelry only up to a certain amount, perhaps $1,500 to $2,000.

By taking the time to add any new Mother’s Day gifts to your insurance policy, you can ensure that the special woman in your life can continue to enjoy your gift, even if the unthinkable happens.

Under The Umbrella

April 28th, 2016 | Posted by Brenda Snow in Insurance Coverage - (0 Comments)

Umbrella insurance is an extension of basic liability insurance. An umbrella insurance policy can cover a wide range of assets. When you add an umbrella option to your homeowner’s insurance coverage, your assets will be protected. A regular insurance policy will have exclusions, and you will be responsible for the damages that are not covered by the insurance policy. If you do not have an umbrella policy, you will be responsible for the additional fees.

The Benefits of Umbrella Insurance

There are several different types of insurance coverage, and there are several benefits to having umbrella insurance. However, you must purchase the correct insurance policy. The policy could cover automobiles or homes. If you do not have the correct insurance coverage, you could lose any commercial property that is linked to your personal finances. You could also lose your retirement accounts. You should always make sure that you are purchasing the correct homeowners insurance coverage.

Understanding The Benefits of Umbrella Insurance

Before you purchase additional coverage, you should have a clear understanding of what is covered. You will need to know how much the policy will payout after an accident. You will also need to make sure that the policy covers inclement weather.

You should have a clear understanding of the conditions and terms. The policy may have constraints on certain situations. You should always purchase more coverage than you think you will need. You can find a policy that can protect all of your important assets. Furthermore, the insurance policy should give you peace of mind. When you purchase an umbrella policy, your important assets and retirement accounts will be protected after a financial disaster.

Before the first claim is filed, and even before the first premium is paid, trust between the customer and agency should be cultivated. Whether the customer needs a policy for homeowner insurance, renters insurance, auto insurance or business insurance, the goal of the agency should be to demonstrate trust factors that ensure that every customer will be a lifelong client.


One such trust factor is competence. A thorough knowledge of the product and the ability to articulate the parameters of the insurance coverage is essential for building client confidence. The customer should know what they’re purchasing and should be confident that their homeowner insurance coverage, renters insurance coverage, auto insurance coverage or business insurance coverage meets their needs.


Additionally, a regular review of the product is needed to determine if the customer continues to have adequate insurance coverage. Does the client’s homeowner insurance coverage reflect recent upgrades made to the home? Is their renter’s insurance coverage for personal liability sufficient? Would an increase in coverage give greater protection for a customer reevaluating auto insurance coverage? Should our business client add professional liability to their business insurance coverage? Such care demonstrates to clients that they are a top priority.


A further demonstration of trust is through exceptional customer service. Can the agency be counted on when the customer files a claim? Whether the claim is for minor damage or a catastrophic loss, a demonstration of compassion, patience, regular follow-up and an expeditious handling of a claim will go a long way to show the customer that they are valuable clients.


Whether clients are shopping for homeowner insurance, renters insurance, auto insurance or business insurance, trust factors such as competence and excellent customer service will ensure that your customers will be with you for a long time.

Business insurance is important, of course. But what business insurance claims are most common, and what types of business insurance should you have?

1. The most common business claim is theft and burglary. Over the past five years, these claims affected 20% of businesses. They were not the most expensive, though, averaging $8,000.00. Nevertheless, businesses should take security precautions, and also carry insurance coverage for these crimes.

2. The next most common claim is for water or frozen water damage. These affected 15% of businesses in a 5-year period, and the average cost is $17,000. It’s easy to turn down the furnace while away, and return to broken pipes and gushing water. Water damage liability insurance is a good idea for both commercial insurance coverage and homeowners insurance coverage.

3. Wind and hail damage is the third most common claim, also touching 15% of businesses, and costing around $26,000. You’ll want to be covered if you live in a storm-prone area. Also, remember your company vehicles can be damaged by hail. Be sure you have auto insurance coverage for this.

4. Claims for fire damage involved 10% of businesses in the past five years. They’re very costly, averaging $35,000.00. Fire is a particular hazard in industries where flammable materials are used, but fires can start anywhere. Fire insurance as a part of commercial insurance coverage is a must.

5. Customer slip and fall accidents are expensive at $20,000. They’re also fairly common, at 10% of businesses in the past 5 years. Restaurants and retail stores that serve the public especially need this insurance coverage.

Be sure to have all the types of business insurance you need, including auto insurance coverage. You want your business insurance coverage to be complete, just like your homeowners insurance coverage.

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