Recent Posts

Flood insurance used to be a type of coverage that most people in low-risk areas thought was simply “nice to have.” However, the chances of flooding are much greater than they once were, making it something that every homeowner should consider. According to a senior scientist at the U.S. National Center for Atmospheric Research, climate… Read more »

You’ve heard of Mother’s Day and Father’s Day, but did you know that people have honored their grandparents on the first Sunday after Labor Day since 1978? Fun Facts According to Grandparents.com, 72% of grandparents believe that being a grandparent is the single most important role in their life. 2013 US Census Bureau data shows… Read more »

Insurance is supposed to protect you from the unexpected, but sometimes, that “unexpected” incident is pretty bizarre. Nonetheless, proper insurance coverage can protect you when you face an unfortunate event, even when they’re as crazy as these. Coconut Claim It turns out coconuts are more dangerous than you might imagine. Statistically, you’re ten times more… Read more »

Summer is winding down, but there’s still time to hit the beach for some fun-in-the-sun. Pack a picnic lunch, grab the sunscreen, and visit one of our favorite local beaches. Crescent Beach, Block Island Block Island is a favorite, because all beaches are free and open to the public. Crescent Beach stands out for its… Read more »

When you buy car insurance, the insurance company asks you many questions to calculate your premium. They’ll ask you for your age and marital status, your driving experience, your vehicle type, and how often you drive your vehicle. The distance you drive is an important consideration when an insurance company calculates your premiums. The more… Read more »

Drivers never want to think about vehicle theft, but it happens far too often. According to the Insurance Information Institute and the FBI, 707,758 owners had their vehicles stolen in 2015 or one every 45 seconds. If you find yourself in a situation where you believe someone’s stolen your vehicle it’s important you handle it… Read more »

The warm summer weather often means automobile enthusiasts modify their vehicles. While they often invest plenty of time and money on their cars, they often neglect the insurance implications of these modifications. Let’s take a look at which types of modifications are covered, and which aren’t. Modifications Aren’t Part of Standard Policies Insurance companies cover… Read more »

During the summer months, people often take more time off and attend more outings and social events, which can lead to spending more money. We all have limited budgets, so try a few of our money saving tips to stretch your dollar further, have more fun, and stay within your budget. Park Your Vehicle You… Read more »

Buying a condo that’s part of an HOA or condo association means that the homeowner has different responsibilities and rules that apply to their home. This is especially true when it comes to their insurance. Homeowners insurance and HOA or condo association coverage serve distinct purposes. Lenders require homeowner insurance, but confusion may occur when… Read more »

Most people install security systems to reduce their risk of becoming a theft or vandalism victim, but they may not realize that increasing their safety measures can also lower their insurance premiums. Here are a few ways you can reduce your insurance costs and protect yourself, too. Home Alarm System The FBI reports that property… Read more »