There may come a time when a property you own may sit vacant. It’s understandable that you might assume your homeowners or condo insurance will provide sufficient protection. However, insurers consider a vacant home riskier since there’s no one on the property. Consequently, most insurance companies exclude coverage for vacant homes. If a pipe springs… Read more »
Colder weather should alert you that winter is just around the corner. Prepare your home with our fall home maintenance checklist so you don’t miss important items. Test carbon monoxide and smoke detectors and replace their batteries – the importance of these devices can’t be understated. However, they won’t do you much good if the… Read more »
It’s an exciting time when you decided to renovate or add on to your home or business. However, it is important you choose your general contractor wisely. Otherwise, your excitement can quickly turn into frustration, anger, and disappointment. Luckily, you can greatly increase the chances of a smooth project if you follow these tips for… Read more »
Inclement weather often leads to power outages that can last for many days. This can throw a household into turmoil as batteries die, food thaws, and we’re unable to heat or cool our homes. Luckily, generators can reduce losses, improve comfort, and help your household return to normal more easily. Nonetheless, you need to know… Read more »
Renting a condo or house for a vacation often offers perks such as cooking facilities, more space, and greater freedom to do as you please. However, an important consideration is whether your personal belongings are protected in your vacation rental unit. What happens if something is stolen, damaged, or lost? What if someone visits you… Read more »
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 »