October 20, 2022
Unfortunately, many people wrongly assume that auto and umbrella insurance policies will provide reimbursement for all aspects of an accident on the road. Instead, both of these policies cover your own liability and provide compensation to others in the event […]
August 12, 2022
There are a lot of property risks to keep in mind if you’re a homeowner. But have you thought about the ones that might be lurking under your property? As a homeowner, underground service lines that run from your home […]
July 14, 2022
The past year has seen a rapidly hardening cyber insurance market as cyberattacks have surged in both cost and frequency. This increase in attacks has, in turn, resulted in a rise in cyber insurance claims and subsequent underwriting losses. Amid […]
January 4, 2022
Bare walls vs Walls-In vs All-In – As a condominium owner, it’s easily confused which property is covered by the condominium homeowner association’s (HOA) master policy, and what unit-owners are responsible for insuring themselves. There are a few different types […]
December 7, 2021
Loss Assessment is often overshadowed by the main coverages in a condo owner’s (HO-6) insurance contract. Though it’s easily overlooked, it fills some critical gaps in coverage that can leave you with substantial out-of-pocket costs in certain scenarios. Though not […]
November 9, 2021
The Federal Emergency Management Agency (FEMA) has made some recent updates to flood rating under their new program, “Risk Rating 2.0: Equity in Action”. This new rating program went into effect 10/1/21 for new business policies. Renewal policies between 10/1/21 […]
August 31, 2021
Whether you’re a serious collector or just enjoy the occasional glass of wine in the evenings, you may want to consider adding wine insurance to round out your collection. Given that collections are built gradually, with bottles moving in and […]
August 10, 2021
If you own a classic car, your insurance coverage should be as unique as your vehicle. Whether you purchase a muscle car or an antique vehicle, you’re best suited by getting customized classic & collector car insurance. Whether you purchased […]
August 3, 2021
Because we get asked this question so often, I thought it would be beneficial to briefly review the general concept and differences between the Market Value vs. Replacement Cost of a property. Though there are multiple variables that goes into […]
July 27, 2021
We often get asked what kinds of benefits come with moving from a standard mass-market insurance contract into a High-Value homeowner’s contract? Though there are many things that set these contracts apart, let’s start with one fundamental reason: High-Value homes […]
July 20, 2021
We often find that new clients come to us having focused more on their auto policy’s annual renewal premiums rather than the actual coverage provided. I feel that’s more of an issue with industry-wide advertising being largely centered around pricing. […]
July 13, 2021
When it comes to flood insurance, we’ve heard all of the reasons not to purchase coverage: “It’s too expensive”, or “I don’t live in a flood zone, I don’t need it”, Or even “My homeowner’s policy already covers that, right?” […]