Homeowner’s shouldn’t be surprised if their insurance company wants to inspect their home. This may occur if you’re a new customer, if your home hasn’t been inspected in some time, if it’s hard to determine its value, or if you own an older home. A home insurance inspection usually occurs between 30 and 90 days… Read more »
Flood insurance may seem like an unnecessary coverage, but nothing could be further from the truth. Let’s debunk the myths and discover why this valuable coverage is an essential tool that protects you from significant financial loss. Myth #1 – Home, Renter, & Business Policies Cover Flooding False – standard policies typically exclude flooding. However,… Read more »
In Rhode Island, Condo insurance isn’t as straightforward as homeowners insurance for many reasons. First and foremost, a condo is within a building with multiple units and requires insurance for your personal space, plus collective insurance on the entire building. In most cases, the owner pays an association fee that covers their portion of the… Read more »
Most people assume that their homeowners insurance automatically provides full coverage for their shed and garage. However, all insurance policies differ as do the clauses and terms within them. Let’s take a look at what’s typically covered and when you might need additional coverage. Outbuilding Coverage Your shed, detached garage, deck, fences, and other unattached… Read more »
Most homeowners want to upgrade their home sooner or later. However, many fail to consider the impact renovations could have on their insurance. The National Association of Insurance Commissioners (NAIC) recommends an insurance review whenever you’re considering or have done significant work to your home. Here’s why. Renovations Affect Home Value Renovations usually increase your… Read more »
Rhode Island colleges are planning to re-open in the fall, but a recent rise in COVID-19 cases has caused Governor Gina Raimondo to reduce the number of people permitted in gatherings to 15 and she has extended Phase 3. While everyone is moving along with preparations, Raimondo has made it clear that health officials have… Read more »
According to the National Fire Protection Association, July is the peak month for grill fires which lead to substantial home damage, injuries, and sometimes deaths. On average, 11,000 house fires occur annually due to grilling mishaps. Luckily, you can enjoy grilling if you follow these simple safety precautions. General Safety Precautions Clean your grill before… Read more »
New England is certainly no stranger to bad weather. While we’ve sidestepped major hurricanes for some time, there’s no guarantee we’ll remain safe this season. We always need to prepare. Here are a few things you can do to ensure you and your loved ones have what you need in place to stay safe during… Read more »
With so much time on our hands, it’s not surprising parents may be looking for alternative forms of entertainment for their kids. This may include a trampoline, swing set or even a pool, if their kids nag them enough. While these may add fun to an otherwise ho-hum lockdown, there are many things you might… Read more »
The coronavirus has impacted all aspects of our lives, including our personal insurance. Here are a few ways COVID-19 may affect you, what you can expect, and how Loiselle Insurance Agency can help you overcome these challenges. Car Insurance Relief Staying at home means you’re driving much less. Luckily, you can probably receive some sort… Read more »