Insurance Blog
Please read and comment on our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
Is Your Home As Efficient As It Could Be?
Posted: July 22, 2016
Is Your Home As Efficient As It Could Be?Drafty windows. Leaky faucets. Dirty air filters. All are common issues and they’re not only annoying — they also cost you money in decreased energy efficiency, higher utility bills and insurance premiums. Would you like to save $200 to $400 a year on your energy costs? That’s how much the U.S. Environmental Protection Agency’s Energy Star program estimates that homeowners can save by incorporating technologies to...
You Or Your Car: Who Is Insured?
Posted: July 15, 2016
You Or Your Car: Who Is Insured?Auto insurance policies are written in complex legal language and most people will purchase a policy without fully understanding what is actually covered. So if you get in an accident while driving another person's car, will your auto insurance policy cover you? What about while you are driving a rental car? The fact is that each policy is different and typically the liability coverage follows...
High Speeds Can Lead to High Insurance Costs
Posted: July 8, 2016
High Speeds Can Lead to High Insurance CostsHow many times has the following happened to you? You’re speeding down I-10 when you spot a patrol car. You quickly hit the brakes and slow down, relieved that you didn’t get caught … this time. Now take a minute to think what could have happened if you hadn’t been so lucky. Imagine if it had been one of your kids! First, your speeding could have hurt somebody...
Light The Sky, Not Your House This July 4th
Posted: June 30, 2016
Light The Sky, Not Your House This July 4thHamburgers, hotdogs, parades, and fireworks! The 4th of July is a great American holiday, and fireworks are a tradition that many communities enjoy. But first, a word of caution: make sure you light up the sky, and not your home! Fireworks can reach as high as 1,200 degrees Fahrenheit. The National Fire Protection Agency reported an estimated 17,800 structure fires and about $32 million in...
The "Lapse Rule" Could Wash Away Your Current Flood Policy
Posted: June 27, 2016
The "Lapse Rule" Could Wash Away Your Current Flood PolicyIn case you haven't already heard, as of April 1 of this year, the Homeowners Affordability Act (HFIAA) requires the NFIP to track and apply rating changes to certain flood policies that lapse. But What Is Considered A "Lapse"? According to our partners at Wright Flood, a lapse is defined as a "premium paid after the policy's 30 day grace period ends, but paid within the...