Homeowners Insurance

As we move from spring towards summer, it’s time for graduation and engagement parties and weddings. These celebrations should be fun and worry-free, but they also increase liability risk. This is especially true if you serve alcohol, particularly in the presence of minors. Understand Social Hosting Law Rhode Island law does not permit underage alcohol… Read more »

Homeowners insurance costs aren’t normally the initial driver when someone decides to install surveillance cameras on their property. They’re more interested in protecting their home, belongings, and loved ones. Nonetheless, adding security features to your home can have an added benefit. Some insurers offer up to 20% off your annual premiums if you beef up… Read more »

Generally, homeowners insurance extends to your landscaping, if a loss is caused by a covered peril. Examples of perils typically include fire, theft, vandalism, lightning, and more. However, insurance policies can vary greatly. As a result, it is important to understand what your specific policy covers and what it excludes. Otherwise, you could face an… Read more »

Now that the weather is getting warmer, it’s time to welcome in spring. Here are 7 things you can do to get your home ready for this very welcome season after a long, cold winter. Preparation 1: Clean the Gutters Grab a ladder, a pair of gloves, a scoop, and a trash bag. Carefully scale… Read more »

Finding extra space in a she shed or man cave often fulfills a homeowner’s dreams. They can while away the hours tinkering, crafting, painting, building, gaming, or sipping a cocktail or beer at their custom bar. As a result, these structures can often grow in value due to how elaborate they become and what’s inside… Read more »

Most Rhode Islanders automatically assume that their homeowners insurance policy will pay for damages if the roof on their home leaks. While policies usually cover roof leaks, there are certain circumstances when they may be excluded. We’ve mentioned some of the most common below. The Importance of Home Maintenance Preventable damage is a very common… Read more »

We hear so much about lawsuits. They can be very costly and even impact your future if you’re found liable. The question is, can lawsuits occur if someone slips on the ice in front of your home or business? More importantly, do you understand what you can do to protect yourself if a mishap does… Read more »

Most of us have seen articles and news broadcasts regarding hacks on major corporations. This can make it seem that cybercrime is only a problem in the business world. Unfortunately, nothing could be further from the truth. Households are also ripe targets for cyber criminals. Fewer Protections Regrettably, most households are very vulnerable to cyber… Read more »

Frozen pipes are irritating, but the also have the potential to become a major catastrophe if you don’t tend to them. Luckily, it’s usually not that difficult to deal with this cold weather problem if you follow these handy tips. Locate Freeze Areas The general area is usually pretty obvious. You might turn on the… Read more »

If you’ve ever heard the term “coinsurance” but were unsure of what it was, we’ve got you covered. Here’s what you should know. Coinsurance basically spreads risk between the business and the insurance company. Both parties agree to share the cost if the insured files a claim. However, the policyholder must maintain a certain insurance… Read more »