Homeowner’s Policies & Jewelry

 

      After receiving valuable jewelry, it’s important to contact your agent immediately. Keep in mind that most homeowners policies place limitations on coverage for personal valuable items. This means that owners of these valuable items may not receive …

 

 

Important Homeowner Exclusions

 

        Property exclusions exist in Sections A and B of a homeowners insurance policy. The following are some of the most important exclusions to know:   Collapse  – If a home collapses, there is no coverage provided …

 

 

Insurance Checklist for Home Buyers

 

      There are several issues to consider when looking for the perfect home to purchase. One of the most overlooked issues is insurance coverage. However, it is one of the most important aspects of home ownership. It’s essential …

 

 

Preparing for a claim

 

  Remember that you are responsible for substantiating losses that occur due to an insurable peril. The key to establishing the value of articles that have been stolen, lost or damage is to document and inventory your belongings ahead of …

 

 

Deciding on Umbrella Coverage Amounts

 

  The minimum amount of coverage for an umbrella is one million dollars and can go up to ten million. The most common amount of coverage is one million but many choose two million dollars or more. A rough estimate …

 

 

What discounts are available to me on my insurance policies?

 

  Everybody loves to have discounts applied on their home owners and auto insurance policies – myself included. Here is a list of items that most carriers will give discounts for, so if any of these apply to you, please …

 

 

How do trampolines, pools, and dogs impact a home owners insurance policy?

 

  All of these are not so much a rating factor but rather an eligibility factors when you are looking for a home owner’s policy.     Trampolines: Some Insurance Carriers will write your home owners policy if your trampoline …

 

 

Closing the Gap When Your Car Is Worth Less Than You Owe

 

You probably know that the minute you drive your new car off the dealer’s lot, it loses a significant portion of its value.  If you intend to keep it for at least a couple of years, to get to that …

 

 

Your Roommate Wrecks Your Car – Who Pays What?

 

  If your roommate borrows your car and causes an accident, who pays what? If you both have auto insurance, your insurance will pay first and you’ll be responsible for your deductible. Your auto insurance policy insures your vehicle plus …

 

 

Does Your Homeowner’s Insurance Cover a Stolen Cell Phone?

 

  You just realized your cell phone has been stolen.  Not only are you out the cost of the phone, but more than likely, the thief is placing hundreds of dollars of charges on your phone bill right now.   …

 

 

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