Insurance News

You buy homeowners insurance to minimize your risk should a loss occur.  The following factors can make a home a greater risk to insure.  Keep these in mind if you are shopping for a new house. Pets – Owning certain breeds such as German Shepherds, Great Danes, Pit Bulls, Dobermans, Rottweilers or Akitas that are considered aggressive, could raise your rates and premium. Bad Credit Score – A low credit sc

Homeowners are often puzzled when faced with deciding how much homeowners insurance to purchase. Mortgage companies and banks require insurance for those seeking loans to buy a home, but is it enough? What if you do not have a loan from a bank — do you still need homeowners insurance? Although states generally do not require homeowners to carry insurance, having enough homeowners insurance to cover losses and liabili

Cyber attacks and data breaches have become a daily threat to both individuals and businesses. The different types of cyber risks are seemingly limitless and it’s all but impossible to predict exactly how and when you or your business may become a target for cyber criminals. Adding to the uncertainty is the reality that cyber threats are often difficult to identify and comprehend. Some cyber incidents take a lo

It is early in the game, but forecasters are predicting that Joaquin has a good chance of tracking up along the Eastern Seaboard.  As we know all too well from past experience with Sandy and Irene, it is important to prepare for the storm to minimize damages and ensure safety.  Since we have no control over what Mother Nature has in store for us, we should take the following steps: Preparing the House and Property: M

 Sep 25, 2015 | By Dave Moe  Reprinted from Property/Casulaty 360 Rickie Fowler hits from the tee on the 14th hole during the first round of the Tour Championship golf tournament at East Lake Club Thursday, Sept. 24, 2015, in Atlanta. (AP Photo/John Bazemore) Golf is infamous for causing a lot of frustration. There’s nothing like having a perfectly good walk spoiled by a white ball. Luckily, all is repaired by

From the day an entrepreneur starts a business, he exposes himself to certain risks. Even before the first employee is hired, a business is at risk, making it important to have the proper insurance in place. One lawsuit or catastrophic event could be enough to wipe out a small business before it even has a chance to get off the ground. Fortunately, businesses have access to a wide range of insurance types to protect

College students are heading back to school and the dorms.  With computers, TVs, printers, PDAs and MP3 players being shipped off to school, it is more important than ever that students and their parents purchase the appropriate insurance protection. For students who live in a dorm, most personal possessions are covered under their parents’ homeowners or renters insurance policies. However, some home insurance

Hurricane Katrina hit New Orleans ten years ago on August 29, 2005.  Talk to anyone who lived  in New Orleans or the surrounding areas about their experiences and the reaction is immediate and emotional.  The same is true of the first responders who worked tirelessly to get the residents of New Orleans to safety after government leaders issued evacuation orders too late to be effective.  It was a nightmare that so ma

Flooding is the most common natural disaster in the United States, according to the U.S. Federal Emergency Management Agency. And even the briefest of floods with only a few inches of water can cause tens of thousands of dollars in property damage. FEMA reports that from 2008 to 2012 the average residential flood claim in the United States was more than $38,000. And contrary to popular belief, a standard homeowner’s