Recent Posts

An insurance policy endorsement, or rider, offers a way to alter your existing policy without having to buy a new one. It can be used to remove or modify information within your standard policy or increase or restrict coverage. It overrides what is written in your standard policy. Generally, an endorsement remains in effect as… Read more »

It is the time for gifting, but have you considered the insurance implications? What would happen if an expensive new gift was stolen, lost, or damaged? Would your insurance cover it? Insure Packages If you’re planning on having a gift delivered, ensure that the seller offers insurance. Otherwise, you may need to buy it yourself…. Read more »

The holidays should be a time filled with laughter, family, and friends. However, all too often the holiday season is one marred by easily avoidable disasters. We want you to have a safe and happy season, so please avoid these common holiday risks that can quickly make things go terribly wrong. Cooking, Christmas Tree, &… Read more »

Sewer backups are nasty. They can cause extensive, costly damage and create health hazards you must rectify immediately. Regrettably, many homeowners presume their homeowners insurance policy protects them from a sewer backup. This usually isn’t the case. Policies usually limit coverage to sudden, unexpected plumbing incidents that occur inside your home’s structure, such as a… Read more »

It’s time to get out and visit the many places on Rhode Island that put on a light show during the holidays. They’re a safe, and enjoyable option and suitable for the entire family. The following are some of the best, but certainly not all, Rhode Island has to offer. Bradford Sullivan Family Lights 11… Read more »

Standard auto insurance policies base your premiums on your personal driving profile. Your profile includes factors such as the type of vehicle you drive, your driving record, where you live, your age, gender, marital status, and how often and where you drive. However, these factors ignore daily performance. For instance, you could be a young… Read more »

Your home’s roof is the most important protection against the elements. It safeguards the structure and your belongings. However, some problems aren’t apparent until cold weather sets in. One of the most common issues is the formation of thick ice ridges along the eaves known as ice dams. What Do Ice Dams Do? When ice… Read more »

Power surges can occur through a lightning strike or sudden changes in electrical loads inside or outside your home. No matter the cause, they can damage or destroy electronics or appliances instantly. One zap could take out your media center, computers, refrigerator, stove, and washer and dryer. Without proper insurance coverage it would cost a… Read more »

Keeping trees healthy makes your home attractive. However, unattended trees can become a safety and liability issue that you’ll want to avoid. Here are a few tips for keeping your trees in tip-top shape and what safety, insurance, and liability factors you should consider. Include Trees in Your Maintenance Schedule You probably clean the gutters… Read more »

Thanksgiving is a treasured tradition. However, it is also the most likely time for a home cooking fire. According to the National Fire Protection Association’s 2020 Home Cooking Fires report, a Thanksgiving Day fire is 250 percent more likely than any other day. Cooking fires are dangerous and costly. The average claim per fire is… Read more »