Insurance

We occasionally receive phone calls asking if damage to the home caused by certain insects is covered.  Just last week we received a call from a homeowner who, after noticing a small hole near the roof of his home, found that carpenter wasps had found their way into the home...

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Polybutylene is a type of plastic supply line plumbing material that was manufactured and installed between 1978 and 1995.  This material was popular because it was less expensive than copper and it was far easier to install.  However, many homeowners began filing insurance claims due to the pipes bursting and...

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Often times, we have customers request an auto quote and they’re uncertain how much coverage they need.  The following is the general process we use to determine adequate coverage those customers. Start with the car… If someone were to steal your car, or if a tree were to fall on...

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Did you know that many insurance companies use an insurance scoring model to determine your insurance rates in a similar way that a mortgage company uses your credit score to determine your interest rate?  You see insurance rates are mostly data driven and there are really two areas of concern...

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Often times we have customers call in to shop their home insurance and in the process of reviewing their coverages we find that they’re over-insured.  We typically see people over insured in two areas – dwelling coverage and personal property coverage.  Before we explain these things, please note that we...

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We occasionally receive questions from customers, who have just recently purchased a golf cart, asking if their home insurance will cover the golf cart.  And the short answer is, not really.  In general, you’d be looking at two different types of coverages for the golf cart.  Liability – meaning the...

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