December Home Maintenance Tasks Every month, we share easy tasks you can do to keep you home in tip-top shape all year long. So as we wind down 2014, here are a few simple tasks you can take on in December! Replace all of your home’s air filters to keep them working efficiently. Check all […]

It’s an exciting and frightening time when children leave the home to attend school elsewhere, amidst all the planning and shopping it is extremely important to talk to your insurance agent about the impact this will have on your current insurance program. Some things to consider: -Students with cars away at school should notify their […]

With the holidays behind us and the New Year just getting started, you may be thinking about all the things 2014 has in store for you and your family. Are you thinking of moving, remodeling or getting a new car? Perhaps, you want to put in that swimming pool or get the kids a trampoline? The […]

In today’s world lawsuits are a daily occurrence, it seems anyone could be sued for anything at any time, weather the lawsuit is frivolous or not is a matter for the courts. However, you do want to make sure you have sufficient liability coverage to protect your home, retirement, and other assets. Here are some […]

Irene, Sandy…two names I think we are all tired of hearing. But unfortunately, in the midst of still cleaning up after Sandy, the 2013 Hurricane season is right around the corner! As much as we might want to forget about Super storm Sandy, we really need to remember the destruction she caused, we need to […]

Lets face it no one wants to talk about  Flood insurance!  They think its too pricey or they say,”It never Floods here.”  The truth is, as many have learned in the past two years, that it can flood anywhere!  As weather patterns changes, everyone is at risk for flooding. Also, you may be surprised at […]

Even though you purchase your insurance through an independent agent, your flood insurance is written by a federal entity called the National Flood Insurance Program (NFIP). In July 2012, Congress passed laws that made major reforms to the NFIP. As such, rates are likely to increase to reflect the true flood risk of your property […]

Affordable insurance for renters I rent my home. Am I covered for losses under my landlord’s homeowners or landlord insurance? No. Your landlord cannot insure your personal property your personal computer, clothes, stereo, television, jewelry, furniture, bicycle, artwork and other items against destruction or loss. Renters insurance, however, will give you both property and liability […]

Personal Umbrella Policy Like a real Umbrella a Personal Umbrealla Insurance policy offers you protection when it rains! A Personal Umbrella Policy extends the liability coverage of your homeowners and auto policy, protecting your family and assets from in the case of a lawsuit. Do You Need an Umbrella? Here Are Some Things to Consider […]

Are your holiday gifts covered? My house is filled with expensive gifts waiting to be opened. If my home is burglarized, damaged or destroyed, are all these gifts covered under my homeowners policy? Not necessarily. There may be limitations on the amount of insurance provided by your homeowners policy, especially for expensive gifts such as […]