Entries by Tosten1980

Replacement Cost Vs. Actual Cash Value

An insurance policy usefulness is determined by the policy language used. Specific policy language determines what is covered, what is excluded and the amounts covered under the policy. Reviewing your insurance policy language every now and again may be helpful in the event of a claim, as you would have a better understanding of what […]

Six Simple Tips if You Plan to Sell Your Home

Preparing to sell your home can be a large undertaking. Often, people put off repairs on their home that don’t bother them, but would certainly deter prospective buyers or set off an alarm to a home inspector of other problems. If you’re preparing to sell your home, follow these steps to ensure you get the […]

Engagement Ring Coverage

Getting engaged is an exciting time and brings happiness to not only the couple, but their family and friends. While the new couples should cherish this special moment, they should also find an insurance policy to protect the engagement ring immediately. Anything can happen to an engagement ring, whether it’s stolen, damaged or accidentally falls […]

A Rodent Made a Nest In My Car and Caused Damage – Is it Covered?

Since cooler weather is here or if you park your car outside during the winter months, chances are that sooner or later a rodent will find its way inside of your warm vehicle. Rodents like rats, mice and even squirrels can make their way up inside of your engine compartment to stay warm. After all, […]

Is it Time for New Tires?

When it comes to vehicle safety, few things are as important as your tires and you should regularly inspect them to ensure they’re in good shape before taking your car out on the road. Tire safety is much more than just tire pressure. Familiarize yourself with these 5 signs that your tires may need to […]

Five Things You Should Do Before Hiring a Contractor

If you’re an experienced home remodeler, you’ve probably come across contractors who are willing to offer better pricing for cash deals or who are reluctant to provide you with a service contract. Did you know that you can be held liable for hiring a contractor who does not carry the right insurance and causes damages […]

Dog Bite Insurance Claims & How to Prevent Them

According to the Insurance Information Institute, homeowner insures paid over $796.8 million as a result of 17,802 dog bite claims in 2019. We would like to briefly go over what happens if your dog were to bite someone and of course, how to prevent a dog bite claim. What Would Happen If My Dog Bit […]

Proper Insurance for Investment Properties

The process of going from being a homeowner to a real estate investment/landlord is an exciting time. Not only are you working towards creating an extra revenue stream for your income, but you’re investing in what has historically been one of the best places – real estate! When it comes to investing in real estate […]

Everything You Need to Know About Flood Insurance

The Myth: Homeowners Insurance Covers My Home From All Damage Flood insurance is one of the more commonly misunderstood insurance coverages. Many homeowners assume that if they have a homeowner’s insurance policy, then they’re covered from all water damage that could occur to their home. This is not true. Flood insurance is not typically included […]