When the warmer weather hits, there’s nothing better than the smell of food on the grill.
Seven out of every 10 adults in the U.S. have a grill or smoker*, which translates to a lot of tasty meals. But it also means there’s an increased risk of home fires.
In 2013-2017, fire departments went to an annual average of 10,200 home fires involving grills, hibachis or barbecues per year, including 4,500 structure fires and 5,700 outside or unclassified fires. These fires caused an annual average of 10 civilian deaths, 160 civilian injuries and $123 million in direct property damage.
Grilling Safety Tips
The National Association of Insurance Commissioners (NAIC) released an online quiz, “What the Flood!,” as part of its #YourRiskIsReal campaign, an ongoing effort to educate consumers about flood risks and the need to consider purchasing flood insurance.
The short, interactive quiz presents several insurance concepts in easy-to-understand terms. Sample questions include: “Is damage from a busted bathroom pipe and a burst levee covered by the same policy?” and “If a hurricane floods your car, do you file a claim with auto or home?”
Some erroneous beliefs about flood insurance commonly held by consumers include:
If you have just married or will soon, you are likely facing some complex insurance decisions. Getting smart about the insurance implications of combining lives and households can help you secure "happily ever after," and perhaps even save money. To get smart about insurance together without tearing each other apart, you need resources.
Home is where the heart is …
What is Covered
Your coverage will not kick in unless you experience a loss that is caused by a specific peril, or reason for loss, that your policy covers. For most policies, the list of covered perils includes:
Some common perils occur with such frequency and predictability in certain areas that they are subject to exclusion from basic coverage. The most notable excluded perils include:
Pulling It All Together
For far too many homeowners, insurance is just another piece of paper that is signed and filed away, rarely to be thought of again. That is, until the worst happens. People who wait until they experience a loss before analyzing their own policies are not getting the full value – maybe little value – out of their countless premium payments.
Homeowners insurance is a financial covenant, but it should also be treated as a living, breathing entity to be nurtured over time. Only by reading the policy carefully, knowing your coverage limits and updating the property inventory can you ensure that your hard-earned dollars will keep that roof over your head – and another, stronger one after that. Our agency welcomes the opportunity to help you achieve that goal.
In an automobile accident, you are concerned first about your safety and secondly about your vehicle. Likely, the last thing on your mind is protecting your identity. In fact, a recent survey by the National Association of Insurance Commissioners (NAIC) suggests that, after an accident, many Americans do not really know what information they should share with the other driver.
State laws vary, but in most cases you need only provide your name and vehicle insurance information, which should include the name and phone number of your insurance provider. Sharing personal information such as your address and phone number may put your privacy and identity at risk. However, if another driver is unable to provide vehicle ownership and/or insurance information it is appropriate to ask for their phone number, address and driver's license number.
Our office will be glad to give you more tips and a free no-obligation review of all your insurance needs.
Essentially insurance is offered on a package basis, meaning that there is coverage for physical property as well as protection against the legal and financial consequences of injuring others or damaging property that belongs to others.
Property Coverage - Typically a boatowners policy covers:
Items and situations that aren’t covered include boating property that is used in business activity, losses that involve races or competitions (an exception is made for sailboats) and boats that are used, full-time, as residences.
Liability Coverage - Besides protecting boating property, a boatowners policy also responds to claims or lawsuits caused when another person is injured, and /or when another person’s property is damaged or destroyed. An example would be a collision where the owner of a large speedboat collides with a person on a jet ski, seriously injuring the rider and demolishing the jet ski. The policy would handle both portions of such a loss. The liability portion would also provide a legal defense against lawsuits.
Another important coverage under the liability section is medical payments. This provides reimbursement for, typically, emergency or immediate medical treatment expense. Consider a person who slips on a boat deck and needs transportation to an emergency for treatment of a broken bone or concussion. Such costs would qualify under medical payments.
As is the case with property coverage, there are liability situations that are NOT covered by a boatowners policy, including losses that involve business activity, transmission of communicable disease, unauthorized operation of boating property, intentional acts, and criminal activity.
Boating property is a substantial investment and boatowners coverage is an efficient, affordable way to guard against accidental losses. Our agency looks forward to a review of your boatowner insurance needs.
Fighting Auto Insurance Fraud
The 2022 Hurricane Season begins on June 1st, and our agency wants to remind consumers that now is the time to check and see if your homeowners, renters, or business insurance policy is sufficient enough to cover the potential damage this hurricane season could bring.
Residents who live in coastal counties face the most danger when a hazardous storm or hurricane strikes. However, as we have seen the last two years, people living inland could face heavy rain, very strong winds, and even flooding.
It is recommended you contact our agency to check in on your homeowners, business, or flood insurance policy. Remember, flood insurance policies take 30 days to go into effect.
There are several steps to take if you decide to purchase an insurance policy this hurricane season:
While motorcycles operators and their driving considerations are quite different than persons operating other, larger, enclosed vehicles; there is one, major similarity…..the need for insurance protection. Most states have financial responsibility laws requiring you to carry proof that you are able to pay for any damage or injury you may cause while driving. Auto insurance is the way that most people comply with these laws. Typically, drivers are required to carry liability insurance at some minimal limit that varies by state. Liability coverages include the following: