Weather Disasters – What to Do Nex...

With spring comes the threat of tornadoes, floods and other devastating weather-related events. When Mother Nature strikes, as she recently has in the mid-West, we wonder where the survivors begin to pick up the pieces and start again. My family: It goes without saying that the first order of business is to make certain that all your family members are accounted for and that their...

Surprise Liability – Landlord Tips

As a landlord, you’ve already considered your liability when it comes to your rental home. You have protected your property with proper insurance and you’ve required your tenants to purchase renter’s insurance. Good for you. There are still things you can do which will avoid problems later on. As you will see from the tips listed below, most of these should be addressed in your...

Outdoor Entertaining and Host Liability

Spring is sending out new shoots of grass and homeowners are outside sprucing the home place up for a season of happy outdoor entertaining. Perhaps you’ve only just put the finishing touches on your outdoor kitchen and cannot wait to hold your first backyard bash. Are you really ready? (This is a trick question. Think it through carefully and answer only after you’ve read the...

Liabilities of Being A Landlord

Owning and managing your own rental property seems easy enough. It’s like running a restaurant – we imagine that anybody can do it. Wrong! Managing rental property – even your own – is a business which requires a business mind-set and attention to many details including an entirely different set of insurance issues than those with which you’ve been dealing. Of course you...

Property Insurance 101

To the novice, insurance documents may as well be written in Greek. The language and the way in which it is used can be completely bewildering to the insurance newbie even though new laws and regulations require insurance companies to write these documents so that Joe Average can read them, it’s a good idea for you, as an insured, to understand the basic terms used in property...

Five Home Insurance Red Flags and How to...

Every homeowner has their own personal nightmares about how to proceed should their home suffer from damage. The most pressing concern is how much the damage will cost them. How a claim affects your home insurance rate is something that no homeowner takes lightly. Some people even fear being booted from their insurance carrier and although not so likely to occur, it does happen, which...

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