When discussing and rating homeowner insurance policies, personal liability coverage is often an afterthought. Insurance companies and insurance agents don’t always take the time to explain what it is and what it covers. Don’t fall into the trap of thinking personal liability coverage isn’t important. It most certainly is!
For starters, let’s look at the types of claims that are potentially covered by this part of the homeowner insurance policy: bodily injury claims and property damage liability claims. It is quite common to see personal injury coverage added to personal liability coverage via endorsement, as well. For the sake of discussion, we will include personal injury coverage with the other liability coverages we mention.
So, what exactly does this cover? [READ MORE]
Nine. A relatively small number until you put it into context. Every day, nine lives are lost due to distracted driving. Driving is something that many of us do each day without putting in much thought or energy, almost like being on autopilot. Instead of using driving as a time to unwind, focusing on the road and getting to our destination safely, we are now consumed by distractions. Fortunately, you have the power to turn those distractions off…but will you?
New Year, new outlook. Many of us have been busy writing down goals for 2018 and looking forward to starting off the New Year with a fresh perspective. I’ve always loved hearing the variety of resolutions from my family and friends and the different ideas they bring to the New Year. Of course, you hear the most common resolutions of “watch what I eat,” “go to the gym more,” “save money,” etc. But this year, I’ve heard a new resolution; “be more prepared.” This got me thinking: am I prepared for the unexpected and how can I help others be more prepared? In the insurance world specifically, there are many unexpected situations that can take place, but there are also many ways to be more prepared
When I was in 2nd grade my mother helped me write a poem that ended up being published in our school newsletter.
Anyone who has ever rented a residence (or is currently considering renting a residence) has most likely heard about the importance of having renters insurance in place. We all know that our “stuff” is important and needs protecting. We also know that these types of policies provide liability coverage, but we may or may not fully understand what that means.
Giving gifts at Christmas has been a long-standing tradition for many families all over the world. Even though my holidays are incredibly busy, taking time to find a thoughtful gift to show my friends and family they are loved is important to me.
As 2017 draws to a close, let’s reflect on some insurance-related items in the industry. While storms and hurricanes certainly dominated the headlines for a while, one issue that has been consistent throughout the year is an increase in auto insurance rates. If you’ve seen a rate increase this year and have wondered why (especially if you have a clean driving record), this blog post is for you.
The temperatures have gotten cooler, and the trees are vibrant with color! It is a beautiful time of year.
As the temperatures lower and we start to enter into the fall season, one of my favorite holidays is approaching: Halloween. I remember as a kid the excitement that would build each week as it approached. Being able to dress-up and pretend to be something you idealize is an American tradition unlike any other. For one night a year, you are encouraged to get outside of your home, knock on your neighbor’s door, and ask for a Trick-or-Treat.