The 6 Most Common Homeowners Insurance Claims

A large oak tree crushing the side of a house, meant to signify and insurance claim matter.Most people who own a home carry homeowners insurance as it’s a required condition of mortgage ownership. But beyond the necessity of it, insurance provides you with coverage for damages that could otherwise bankrupt you or put you in a tight financial bind. The cost of premiums is nothing compared to the aid you’ll receive on a covered claim. To truly understand its importance, let’s review some of the most common homeowners insurance claims. [Read more…]

Be Cautious of These Common Household Electrical Hazards

A closeup of a frayed electrical wire extended off of a handheld applianceHousehold electricity keeps your home comfortable, your gadgets alive, and makes life simpler, but these currents can also be dangerous and potentially fatal if not properly maintained. It’s important to treat powered appliances and receptacles around your home with respect, as doing so will reduce the likelihood of injury or property damage. Let’s take a look at how to recognize some of the common household electrical hazards and what you can do to increase your home’s safety. [Read more…]

The Difference Between General and Professional Liability

A psychiatrist giving consultation to a patient, meant to depict the need for professional liability insuranceAs a business owner, one of your top priorities is keeping your company protected from liability. A single lawsuit can be enough to topple a small business if not outfitted with the proper protections. However, with every industry facing its own set of risks, how do you know which insurance is right for you? Does a contractor require the same type of commercial insurance as a business consultant? To best safeguard your company, let’s review the difference between general and professional liability. [Read more…]

Home Safety for Halloween: Property and Liability

A front door that is black with 3 pumpkins on the stairs for HalloweenTrick or treat! With over 180 million Americans planning on celebrating Halloween this year and over $9.1 billion dollars spent on candy and decorations, it is understandable that there will be a significant rise in property damage, safety risks, and liability issues that will haunt many homes and businesses this Halloween. With these increased risks comes increased responsibility to ensure your home or business is safe and covered. Below are useful tricks that will help prepare your home for the frightful night.  [Read more…]