Spring Floods Are On Their Way!!!!!

Contrary to popular belief, water damage coverage due to malfunction of sewers, drains and sumps is not automatically included in your Homeowners policy.

For a small premium, we can add this coverage to your homeowner policy to cover water which backs up through sewers or drains or water which overflows from a sump pump even if such overflow results from the mechanical breakdown of the sump pump.

Our clients, especially those with finished basements, have benefited greatly from this additional coverage in the past and with spring approaching, I strongly urge anybody who hasn't added it to their policy to consider adding it now.

If you are interested in a quote, please give us a call. 

Complete A Home Inventory

Everyone Needs a Personal Property Inventory

Successfully filing a claim for lost, damaged, or destroyed property requires some specific information.  Obviously, you need to know what you owned, but it would also help to know when you bought it, and what you paid.  The easiest way to capture that information, and to speed up any claim you may have, is to do a complete household inventory.

Do It Today!

Making a household inventory is well worth your time.  Don't put it off!  In the aftermath of a fire or other catastrophe, it is almost impossible to remember what you've lost.

When creating your Home Inventory, follow these steps:

List Everything:  First, go through each room, listing major items.  Include purchase date and price, if known.  Check receipts if you have them.  Include serial numbers for appliances, electronics, and cameras.

Photograph or Videotape:  Open all closet and cabinet doors.  Stand in the center of each room and take one picture of each wall.  Or scan the room with a video camera.

Store your records:  Place your completed inventory, plus labeled photos, negatives, or tapes, in a safe place away from your home, preferably a safe deposit box.

Update Annually:  Keep your inventory up to date.  List and photograph new purchases and gifts as they arrive in your home.  Cross off items you no longer own.

Personal Umbrella Policy

Accidents happen, and almost as frequently so do lawsuits.  In fact, over the last decade the number of liability lawsuits has dramatically increased.  The average award settlement has skyrocketed, too; often climbing above $1,000,000 dollars.

What's more, these awards have nothing to do with a defendant's ability to pay.  Defendants are legally obligated to pay whether they have the resources or not.  This means a judgment could impact future income.  Worse yet, such a judgment may impact assets such as your home, savings, and valuables.

Here's how it works:  Say you have a $1,000,000 Personal Umbrella Liability Policy and an Auto Policy with liability limits of $250,000 per accident.  If a judgment of $800,000 is awarded against you and your Auto Policy covers the first $250,000 your Umbrella Policy would cover the $550,000 difference.  Without a Personal Umbrella Liability Supplement, however, the extra $550,000 would have to come from your other assets.

Don't wait until it's too late.  For an average cost of about $200 a year--less than $17 per month!--you can upgrade your liability protection with $1,000,000 of coverage.

So why not call us today and let us design an Umbrella Policy to meet your individual needs?  At the same time, we'll be happy to discuss the many other great values available to you. We will make your insurance experience both rewarding and easy.

Thank you for being a valued customer.  We look forward to helping you with all your future insurance needs.