The hard sell on home warranties is on TV and in your mailbox. Some of the direct mail items look like bills or seem to be from a utility company. All share the scary stories about how owning a home is now a nightmare because of repairs. The answer is buying a home warranty product. This a truly a time to read before you buy. Do not rely on the advertising, look at the actual product to see what is being offered. Limits Can Be Low These products have specific limits for eac

Smoke Damage after a Fire – A potential total Loss? The insurance business is based on the law of large numbers and the use of historic data to guide its decision making. The past history of fire losses have treated smoke damage as a secondary issue. It meant smoke damage after a fire was a cleanup issue and if needed seal with a coating to make it go away. The primary issues were appearance and odor. This approach was based on a hundred years of experience with fires that w

The eBike has changed the nature of the bicycle forever. It is now practical to commute for longer distances, over more challenging terrain and at higher speeds. eBikes are generally described within three different classes. Class 1 Electric Bicycle — A bicycle equipped with fully operable pedals and an electric motor of less than 750 watts that provides assistance only when the rider is pedaling and ceases to provide assistance when the bicycle reaches the speed of 20 miles

Special Event Insurance There can be many events and celebrations in your life. Those that you host and organize may have some loss exposures that fall outside of your personal lines insurance program. You can reduce the stress around these events by placing a special events insurance policy to relieve the financial burden if things do not go as planned. Here are some of the things that a special event policy will address. Event Cancellation – From a winter storm that make

Social media and the news feeds are full of stories with insurance companies cancelling policies. This headline makes for a strong click...

The potential to be responsible for a large liability settlement is not as remote as you may hope. If you drive on the roads, you can be...