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Homeowners Insurance protects us from many emergency situations, natural disasters, and theft. However, every policy has its limitations and exclusions. Add-ons, also called endorsements, floaters, and riders, help fill in the gaps. Endorsements allow homeowners to expand existing coverage where they need it most. Insurance policy add-ons allow homeowners to expand the list of covered perils in

Renters Insurance is a three-part policy designed to protect tenants, their families, and their belongings in a variety of circumstances. Coverage normally includes liability, personal property, and additional living expenses protection. These policies protect tenants in a covered peril, which typically includes fires, water damage, theft, or vandalism. Renters Insurance compliments Landlords I

Your small business is likely your greatest asset. Small businesses can own property and vehicles, but it is the business’s ability to generate income which matters most. And in today’s litigious world, even the smallest lawsuit can bring your business to a grinding halt. Every day, your business faces possible legal liability to another person or business due an accident or negligence. If

Extreme weather and wildfires caused 2017 to be the costliest year for United States disaster relief. The hurricane region experienced three significant storms; Harvey, Irma, and Maria, while residents on the West Coast dealing with record-breaking wildfires that destroyed homes, businesses, and natural resources. Plus, there were also many other natural disasters that took place, including floodi

For those who have lived in a hurricane-prone area for any length of time, you likely are on a first name basis with at least one storm. Whether it was Donna or Irma, Andrew or Harvey, one thing is certain; homeowners quickly learned the limitations of their insurance policy. There are many areas of the Southeast United States who have not experienced a landfalling hurricane in many years. If y

Traveling is an exciting hobby that allows us to learn more about different cultures while we discover brand new places. It doesn’t matter if you visit far-away lands or if you enjoy taking a road trip to the neighboring city for the weekend, we can all enjoy the fun and thrills that go along with being a tourist. Although going away on vacation is meant to be a pleasant and peaceful adventur

Whether it’s a small backwater runabout or a 100-foot mega-yacht, owning a boat for most of us means freedom. It is the freedom to explore the open seas or search for that hidden fishing hole. Tall sails to powerboats, one thing is certain, boat ownership comes with its own set of liabilities and exposures. Fortunately, many insurance companies can provide the protection you need. Boat insura

Whether you own your own business, lease office space, or work from home, protecting your workspace is important. You want to make sure that you have the right amount of insurance to protect your assets without breaking the bank. Commercial property insurance is one way to ensure the safety and functioning of your business, should an accident or other unforeseen event occur. Your physical space

It was 1979. Disco was on the way out and “no-fault” insurance was on the way in. In an effort to reduce the adversarial nature of the claims process, Florida adopted a new concept in insurance at the time called “no-fault” coverage. The concept was simple. “No-fault” insurance was invented to reduce the friction between the insured and the insurance company. In addition, it provide

Homeowners who live in regions that are often in the path of destructive storms and hurricanes usually take specific safety measures to protect their family and their property. You may have an emergency plan for severe weather conditions already in place. These plans include gathering everyone together in a safe place, bringing along a first aid kit, or storing up water and non-perishable food

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