Tag: homeowner insurance

Why You Need To Consider Earthquake Insurance

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Knoxville TN ariel view consider Earthquake Insurance

On July 4, 2019, the Mojave Desert town of Ridgecrest, CA, was jolted by a 6.4 magnitude earthquake. The next evening the same Southern California area was rocked by a 7.1 magnitude earthquake. These two events were covered intently by every news media outlet, while viewers from around the nation learned that the areas affected were remote with small populations. It was soon determined that the quakes were felt in…

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The ABCs for National Safety Month

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National Safety Month 2019

Would it surprise you to learn that according to the Centers for Disease Control and Prevention (CDC), unintentional injuries are now the third leading cause of death in the United States? It’s true. Look around – just today you might see an apartment pool being drained. Why? One guest broke a glass in the pool, which in turn injured another guest. Or you might notice a person walking four leashed…

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You Can Take the “Bite” Out of Dog Bite Liability Claims

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Dog Bite Liability Claims

“Happiness is a warm puppy.” – Charles Schulz. Many generations understand Mr. Schulz’s sentiment exactly. It could be that we still glance at a “Peanuts” cartoon and have fond memories of Snoopy. Maybe we welcome Marmaduke into our lives via the comic strip or movie. No doubt, we love our favorite dog movie(s), but in reality, dog ownership is a position of responsibility and we are almost always liable for…

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Homeowners Insurance Vacancy Clause – Who knew?

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Homeowner Insurance Vacancy Clause

Are you a homeowner? If so, you undoubtedly have purchased a homeowners insurance policy to protect your own interests, as well as your mortgage holder’s interests. It’s what we do, it is what we know we need to do. But have you ever heard of a homeowners insurance vacancy clause? Consider three scenarios that could trigger a homeowners insurance vacancy clause You know the familiar adage #LifeHappens. As we opined…

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Homeowners Coverage Changes

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With things starting to settle down from all the storms last year, insurance rates and coverage are changing accordingly. What does this mean for everyone? First thing: you should know the difference between Actual Cash Value and Replacement Cost because most companies are changing how they cover roofs. Let’s take a T.V., that’s simple enough. Say you have a $1,000 High Definition flat screen T.V. that got stolen. If your policy has…

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Hurricane Season

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photo credit: NASA Earth Observatory We insure a good amount of coastal properties and today is the first official day of hurricane season; it ends November 30. Make sure your property policy, whether it is a homeowners, rental, or commercial building has wind and hail coverage. Below is more info on the 2012 Hurricane Season Hurricane Awareness – http://www.nws.noaa.gov/os/hurricane/index.shtml Prepare here – http://www.nhc.noaa.gov/prepare/