My Neighbor’s Tree Fell on My House! Who Pays?

Tree on House

Is windstorm damage covered on a standard homeowner’s policy? The quick answer is: Yes. Windstorm is a covered peril on a standard homeowner’s insurance policy. The more interesting question, however, is often whose homeowner’s insurance policy covers the loss? To use the example of a falling tree, we can look at a few different scenarios to address read more


What is Hydroplaning and How Can You Prevent It?

rainstorm

In short, hydroplaning – sometimes called aquaplaning – occurs when the tires of your vehicle lose contact with the road beneath them in wet or rainy conditions. This most commonly occurs during heavy rain storms when water is pooling on the roads faster than it can drain. Vehicles traveling on wet roads at speeds too read more


Protecting Your Home: What Insurance Does and Doesn’t Cover

Father Preparing Family Breakfast In Kitchen

Understanding Your Home Insurance Policy As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more ways than you may think, helping you rebuild your home or repair read more


How to Protect a Vacant Building

Modern storehouse

Did you know that vacant commercial buildings have a greater risk than occupied properties? Vacant properties can attract vandals and may become a magnet for trash and crime. Maintenance issues also are a challenge when no one’s around to notice if a sprinkler starts leaking or a pipe bursts. That’s why most commercial property policies limit read more


Car Insurance Coverages for Your Paid-Off Vehicle

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A common question we are often asked is “If I paid off my vehicle, what insurance coverages should I have now?”  They want to make sure their car is covered if they hit someone, or if someone hits them. You’ll need to continue to carry at least state-minimum auto insurance liability coverages on your vehicle. read more


Do You Have a Home Based Business? Insure It!

Home office woman on phone

Today more than 43 million Americans are operating full- or part-time businesses from the comfort of their homes, and these numbers continue to grow every year. One of the secrets to running a successful home-based business is being able to separate your business activity from your home activity. Whether you spend two hours or 62 hours read more


When Should My Kid Get His Own Car Insurance?

Teen Driver

Have you ever wondered, “when should my kid get their own car insurance?” We’re asked this question often so we’ve provided a few of the common situations where you might decide it’s time for your kid to get their own policy. Of course, this varies family to family, so we advise you to talk to your read more


Recreational Vehicles Have Special Needs

RV parked at the lake

Did you know neither recreational vehicles nor off-road vehicles are insured under normal car insurance? An RV can function as a vehicle and home at the same time. Therefore, when you hit the road with your large motor home, you need vehicle insurance for your protection. But, how about the smaller types of recreational vehicles? read more


What New Parents Should Know About Life Insurance

Expressing affection

It hits you when you’re driving your new baby home for the first time: Another human being is going to be relying on you a lot for the next 20 years. Not just emotionally—financially, too. According to a 2014 press release by Limra, the insurance and financial services trade association, four in 10 people who bought life read more


Six Common Business Insurance Policies

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Protecting your business from the unexpected could make the difference between long-term success and closing up shop. With an increasing number of insurance offerings available, small business owners should be sure to select coverage that matches their size, industry, region and other considerations. In addition to obtaining whatever forms of insurance are legally required at the state and read more