Personal Articles

Customized coverage for your personal and unique items that fit outside the box

Personal Articles

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The Impact of Smoke Damage on Your Claim

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

You are an eBike Owner – Do you need Insurance?

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

Protect Your Special Day

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

Who is my Insurance Company?

Indentifying and Knowing When we ask a client who their insurance company is they often answer with the name of their agent. We are flattered that you identify with Driehaus Insurance, but beyond our company is the insurer who provides the policy terms and conditions that will ultimately determine your claim settlement. You should know exactly who this is. Here are some of the terms that are important in identifying and knowing your insurance company. Admitted versus Non-Admi

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Protecting those unique items in your life.

Most homeowners’ insurance policies offer limited coverage for jewelry, art, weaponry & battlements, coins, and other collectibles. If you have these types of property, you require a personal articles floater added to your homeowners’ insurance program. The professionals at Driehaus Insurance will help you identify the need for this type of coverage and find the right plan for your valuable property.

Personal articles coverage depends on you having the proper appraisals and information to value the insured items. Driehaus Insurance Group can help you understand what is needed and how to protect not only the items but the critical documentation to support a claim.

There may be discounts available for protective measures that are taken to secure high value items. Our risk management expertise can assist with information on safes, vaults, alarms and other protective systems and processes. The best claim is one that never happens.