Friday, October 1, 2021Homeowner policies include coverage for your personal property which includes items such as clothing, electronics and furniture etc. There are two types of coverage options for your personal items. Replacement cost and actual cash value refers to how your homeowner policy reimburses you for damage to your personal items after a covered loss. READ MORE >>
Monday, August 2, 2021An important coverage available to both personal homeowners, dwelling and commercial buildings owners, is “Building Ordinance and Law Coverage”. This coverage is not normally included in commercial property policies, but can often be added by endorsement for an additional premium. READ MORE >>
Thursday, July 1, 2021Insurance and insurance companies continue to push back against their bad reputation. Many people perceive insurance as a necessary evil and believe that the insurance companies can’t be trusted. This outdated perspective is based in a number of factors which we will address below. 1. READ MORE >>
Wednesday, June 2, 2021A flood is considered to be rising water coming from the outside in; whether caused by excess rain, storm surge, lake rise, etc. Flooding is not generally covered by homeowners insurance and you need specific flood coverage to be protected, when a flood occurs. Flood insurance rates in low to moderate flood zones are very affordable. READ MORE >>
Monday, May 3, 2021Whether insuring commercial or personal risk, just about everyone is interested in reducing their insurance premiums. Quite a few of my clients call in to say the same thing to me every year, “Joyce, I haven’t had claim in 20 years. I am frustrated with the cost to keep my insurance but is a requirement of my contracts with my clients. READ MORE >>
Monday, April 5, 2021The request to be added to a General Liability policy as an additional insured is very common and in many cases the policy will provide a Blanket Additional Insured endorsement.
It is very important to understand the Blanket Additional Insured endorsement since with most endorsements a contract... READ MORE >>
Tuesday, March 2, 2021Homeowners may think their policy offers coverage for all damages. This is a misconception and there are some key areas where you may need a separate policy or an endorsement to be fully protected. The most common is flood coverage. Unless you can endorse flood on your homeowners policy, a separate flood policy is required. READ MORE >>
Friday, February 26, 2021In this next series titled, “Association Insurance” we will turn our focus to the homeowners and condo association worlds. In today’s post I really want to hone in on one the most important insurance coverage concerning your associations funds and those who are responsible for its spending and wellbeing. READ MORE >>
Friday, January 29, 2021Welcome back to the newest edition of our “How Insurance Works at its Best” series! In today’s blog, I want to discuss something that is somewhat simple… but… very powerful at the same time. And that is exactly what the title of this post is – the difference between an insurance agent and an insurance consultant. READ MORE >>
Friday, January 15, 2021Most importantly and before we get into anything insurance, I want to wish everyone that has been reading this blog a Happy New Year! I think we can all say a collective “goodbye and good riddance” to the year that was 2020! I, for one, couldn’t be more excited that 2021 is here and am ready to make it the best year this decade has seen! READ MORE >>
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