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clock December 23, 2021 comments No Comments flowchart Automobile InsuranceHomeowners InsuranceOur Blog tag

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 »

clock December 21, 2021 comments No Comments flowchart Automobile InsuranceFamily & Home CareHomeowners InsuranceOur BlogRenters Insurance tag

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 »

clock December 16, 2021 comments No Comments flowchart Homeowners InsuranceOur BlogUmbrella Insurance tag

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 »

clock December 14, 2021 comments No Comments flowchart Homeowners InsuranceOur Blog tag Property Maintenance

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 »

clock December 9, 2021 comments No Comments flowchart Homeowners InsuranceOur Blog tag

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 »

clock comments No Comments flowchart Automobile InsuranceOur Blog tag Saving Money

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 »

clock December 2, 2021 comments No Comments flowchart Homeowners InsuranceOur Blog tag LiabilitySafetyWeather

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 »

clock November 30, 2021 comments No Comments flowchart Homeowners InsuranceOur Blog tag LiabilitySafety

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 »

clock November 24, 2021 comments No Comments flowchart Homeowners InsuranceOur Blog tag HolidaysSafety

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 »