Homeowners may automatically assume that they’re protected from storm damage since they have an insurance policy. However, no single insurance policy protects against every type of loss. Let’s take a look at the definition of storm damage, what a typical Rhode Island homeowners insurance policy usually covers, and when you may need additional coverage. Storm… Read more »
According to the Bureau of Justice Statistics, stealing personal property (larceny) is the most common crime in America. Additionally, larceny occurs more often in the summer. The FBI reported over 2,100 property crimes per 100,000 people in 2019 alone. Luckily, you can reduce these odds by following these simple tips. Lock Windows & Doors This… Read more »
You’ve probably heard that you should “shop around” for the best deal on an insurance policy. However, this takes a lot of time. Plus, policies with similar prices and similar names may not offer precisely the same coverage. So how do you compare insurance policies to ensure the best possible price also offers the best… Read more »
Business owners need to get a certificate of insurance (COI) from their insurer. It provides the assurance customers, contractors, and other businesses need before they decide to work with you. So, what is a certificate of insurance and why is it so important? Let’s take a look. What is a Certificate of Insurance? A certificate… Read more »
Wind is a part of our life on Rhode Island. Just back in December storm winds reached almost 70 mph which knocked out power to more than 20,000 houses and businesses in our region. Even though we can’t control Mother Nature, we can take steps to protect our homes. Follow these wind preparedness tips to… Read more »
Your roof is designed to protect your home from the elements. However, it won’t last forever and unfortunately it is an area of the home that often receives less attention than it deserves. Here are a few telltale signs that your roof needs some TLC before it causes you major headaches and costs you plenty… Read more »
Most people that live in a townhome or condo belong to a homeowner’s association, or HOA. However, you may also belong to an HOA if you live in a gated community of single-family dwellings. Unfortunately, many homeowners mistakenly believe that their HOA takes care of many of their insurance needs, when they actually don’t. Being… Read more »
According to the Insurance Information Institute, only half of all Baby Boomers and Gen Xers have a home inventory. Even worse, only 37 percent of millennials have recorded what they own. Why You Need a Home Inventory Many people don’t realize how important a home inventory can be if they need to file an insurance… Read more »
With so many options available, how do you know if you’re getting the right insurance coverage at the best possible price? These five common sense insurance tips can help simplify the buying process and help you feel confident that you’re getting the best deal possible. Don’t Go It Alone Insurance products are meant to address… Read more »
As the calendar flips over, it is time for a new start. Most of us will be quite happy to say goodbye to this stressful year, particularly since it has affected almost everyone’s finances. Not surprisingly, finances are at the top of list for New Year’s resolutions this year. Here are some of the most… Read more »