You Can Climb, But You Can’t Hide
Tree houses are prime elements of childhood fun. They are clubhouses, hideaways, castles, war rooms, forts, spaceships, control centers, submarines; the list of what they can perform is limited only by imagination.
Now let’s look at a tree house with an insurance company’s eyes….oh boy! Now we have a structure with a separate value that, just like a home, garage, shed, or pool; needs specific coverage. Worse, that coverage has to be for damage to the tree house as well as for protection against losses caused by owning a tree house.
Telecommuters and Insurance
If you work from your home for part of your work week and if the situation is an ongoing arrangement with your employer…that’s telecommuting! That is also an opportunity to make special insurance considerations. Consider the following:
Special Form vs. Named Peril
Is your home and personal property covered on a special form or on a named peril basis? Named peril means that the policy insures ONLY against the sources of loss (perils) listed in the policy such as fire, earthquake or hail. Special form coverage protects property against any source of loss that is not specifically excluded. Named peril coverage is increasingly rare for dwelling coverage, used in special situations such as very low-valued property, seasonal property, rentals and older homes that have a market value that is substantially lower than the cost to replace the property.
Insurance and Dog Bites
Dogs make great companions, playmates, and protectors; they also continue to be a problem for insurers. Nearly two million people are bitten by dogs each year with around 800,000 persons requiring professional medical treatment for their wounds. Each of these incidents is a potential lawsuit.
Are All Insurance Agents The Same?
To get the best deal on insurance, many people consult an insurance agent or broker. But did you know that there are different kinds of insurance agents and brokers—and the one you choose can make a big difference in the type of service you get and the choices you're offered?
Homeowners Insurance Premiums Got You Down?
Have you reviewed your home owners insurance premium? If not you may want to take another look, you may be surprised by the premium you are paying.
Is your PIP stacked?
Suppose you are on your way to dinner with the spouse and kids when you hit a patch of ice and skid off the road, injuring your spouse and kids.
Catastrophe tips: Check your insurance coverage
Major weather events may never hit your area, but it’s best to be prepared. Securis wants to help make doing that as easy as possible. So, we've broken down what you need to do into easy steps.
Start by being sure your insurance coverage reflects the current state of your home.
“If you’ve done anything that increases the value of your home or its contents – like building an addition or remodeling – talk with your insurance agent,” says Shane Jensen of Securis. “That way you can review your coverage to decide whether it’s sufficient or if any protections should be updated.”
Love Bites Get Umbrella Coverage
In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered?
Unfortunately, we live in a world of lawsuits. Large damages can be awarded, be extremely expensive and have long-term financial impact. Those lawsuits can come from unlikely sources, such as our furry friends.
Underinsured Motorist Insurance
It is estimated that almost 1/3rd of all drivers are driving with inadequate coverage or no insurance at all. With such a high number of people with none existent insurance you have to protect yourself! This is where Uninsured and Underinsured motorist coverage becomes relevant.
WHAT IS UNINSURED AND UNDERINSURED MOTORIST COVERAGE?
