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Do You Car Pool?

11/30/2020

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​Liability Insurance Exclusion
Drivers involved in car pools and other group arrangements may wonder if the situation is covered under their auto policy. This concern is valid as many auto policies have restrictions. Typically, liability coverage under personal automobile policies does not apply to "…liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance." (A public conveyance is a vehicle used indiscriminately in transporting the public without being limited to certain persons or occasions. A livery vehicle is one that is offered for rental). There is slight variation in language among policies issued by various insurers, but the intent is the same: to exclude the use of a personal auto for transporting people or property for income. However, this exclusion does not affect coverage for car pool, driver group, and share-the-ride arrangements.
​Feel free to call our office today. Most transactions such as quotes, binding and payments can be handled from the comfort of your home.

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Happy Thanksgiving Week!

11/21/2020

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​Has it been over three years since you compared your coverages and rates?
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you.
Call us at your convenience and let us see how much money we can save you on your insurance.
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Take the Keep the Road Code Pledge

11/20/2020

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Keep The Road Code
Operating a motor vehicle is the most dangerous and potentially deadly activity we do every day. In a vehicle, anything distracting a driver's hands, eyes, or mind — phones, food, friends, or control dials — becomes deadly. Take the Keep the Road Code pledge and commit to be a focused, responsible driver.
Take the Pledge
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How to insure Roommates and Domestic Partners

11/18/2020

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Most insurance policies are designed to cover the following:
  • single individuals
  • traditional married couples
  • traditional family - husband, wife, children
  • relatives sharing the same household
However, when two or more unrelated individuals live in the same residence and/or share the use of the same vehicle(s), the coverage situation becomes confused. It’s still common for either policy wording or company underwriting rules to limit or bar convenient coverage for an unrelated person. Why one or more unrelated persons are together is their business; the relevant consideration is how are their insurance needs met?

Homeowners Insurance
If you share an apartment or rent a home and each of you retains separate ownership of your property, each of you should carry your own tenant's policy. If you own the home jointly, but maintain separate ownership of your personal property, you might consider the following strategy:
  1. Name one individual as the "named insured" on the policy. The named insured is covered for his interest in the dwelling and personal property (such as clothes, appliances, furniture, etc.). Further, the named insured is also protected against losses involving his legal liability to others including payments for medical services.
  2. Add the other owners as additional insureds, residence premises. The other owners then will have coverage for their interest in the dwelling, premises liability and medical payments to others.
  3. Finally, each additional insured should buy their own tenant's policy to cover their personal property.
Auto Insurance
If each person has his or her own vehicle, the insurance question couldn't be simpler. Each vehicle should be insured by the individual owner. However, if two unrelated people share ownership of a vehicle, the policy covering the car should have a joint coverage endorsement added to it. A joint coverage endorsement (which may have various names) should result in giving the co-owners the same coverage as if they were related. (This endorsement is not available in all states.) The same strategy may be used when only one person owns the household's vehicle. The other person (who does not have his/her own car) may be added via a joint coverage endorsement. However, other options may exist such as (depending upon the insurer): the non-owner resident may be added to the owner's policy as a part-time driver or the other person might purchase a "non-owned" auto policy to get automobile coverage.
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The insurance industry is making halting steps to acknowledge a broader range of ownership arrangements, including policy forms that allow policies to reflect domestic partnerships. How can you be sure about whether your interests are properly covered? Easy…speak to one of our insurance agents; discuss your situation in detail and then determine the best way to structure your policies.
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​What You Need to Know About Renters Insurance

11/16/2020

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Renters insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you have experienced, or a fire caused by your iron, destruction or loss of your possessions is not usually covered by your landlord’s insurance. Because in most cases, renters insurance covers only the value of your belongings, not the physical building, the premium is relatively inexpensive.

By purchasing renters insurance, your possessions are covered against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods). Like homeowners insurance, renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

Renters insurance covers your additional living expenses if you are unable to live in your apartment because of a fire or other covered peril. Most policies will reimburse you the difference between your additional living expenses and your normal living expenses but still may set limits as to the amount they will pay.
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Feel free to contact our office for a no-obligation quote on Renter’s Insurance. You may be pleasantly surprised how little it costs to have peace of mind.
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Flooding & Wind Damage FAQ

11/9/2020

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Do you have homeowners or renters insurance?
Recent storms are reminding folks to check what is covered – and what is not covered - when it comes to flooding and wind damage.
Fact: most homeowners’ and renters’ policies do not cover damage due to flooding. To get that coverage, you generally have to buy a separate policy through the federal government’s National Flood Insurance Program, but many people skip it — even though floods are the most common natural disaster in the United States. Only 18 percent of Americans have flood insurance.
Q. What’s the difference between rain damage and flooding?
A. The government defines flooding as the overflow of inland or tidal waters — including a storm surge, a mudflow, or the rapid accumulation of surface waters that can occur from a sudden rainstorm. Water leaking through the roof is not in the same category, which basically applies to water sloshing around at ground level, not raining down from above.
Q. Does insurance pay for tree removal?
A. If a tree falls and hits someone’s home, insurance companies will pay to fix the damage and remove the tree. But if it lands on the ground or on bushes it won’t be covered. You’ll have to remove it yourself.”
One exception: if the tree hits electrical wires, the local power company should take care of the removal. And if an adjuster determines that a tree fell because of a homeowner’s negligence — if, for instance, it was rotting — the insurance company might dispute the claim. (Owners of cars damaged by falling trees should submit auto insurance claims.)
Q. Is wind damage covered?
A. Damage from high winds is generally covered, but if a storm becomes a hurricane, or wind speeds exceed 74 miles per hour, the claim might be subject to a “hurricane deductible” ranging from 1 to 5 percent of insured value.
Autumn is a great time to review your insurance coverage before the Holiday Season begins. We invite you to contact our office for a no-obligation check up to uncover coverage gaps and get the discounts you deserve.
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Stormchasers: Don't Get Conned After The Storm Passes

11/2/2020

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In home insurance, "Stormchaser" does not refer to people who actually track storms for scientific purposes, but a certain category of con-artist known to show up in the wake of a storm to make quick cash off of vulnerable homeowners. They promise to fix your roof, then they cash the checks from your insurer and perform a shoddy quick-fix, or simply disappear without ever fixing anything. Here's how to spot them, and how to avoid getting scammed:
Telltale Signs of a Stormchaser
  • They ask to deal directly with your insurer, promising there will be "no cost to you." They like to work with the insurer so that you do not have the power to cancel payment when they do a poor job, if they do the job at all.
  • Stormchasers frequently call you or even go door to door in affected neighborhoods immediately after a storm. This might not necessarily mean that you're dealing with a scammer, as many legitimate contractors go door to door to get ahead of the stormchasers.
  • Stormchasers are known for their pushy sales tactics. Don't be afraid to slam the door in their face if they won't take no for an answer.
  • They'll often want to go up on your roof for a "free estimate." They've been known to come back down the ladder with photos of another roof taken miles away, or may even cause damages themselves to justify repairs.
How to Avoid a Scam
  • Don't hire someone just because they came to your door. Do your research and look for contractors with a reputation, with an online footprint, with plenty of reviews on the web to recommend them.
  • Don't let your contractor work directly with the insurance company. File your claim, get your check, and pay your contractor from the insurance payout.
  • Inspect the damages yourself so that contractors can't exaggerate their severity.
As long as you practice caution in your hiring process, you should be able to avoid getting conned by a storm chaser. When in doubt, call our agency and ask for recommendations on local contractors.
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    Useful Information 

    Various articles on protecting yourself & your family

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