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HOME AND PROPERTY

When you have a non-standard or high volume home, a commercial property or a condo/vacation home, think of us FIRST!

BUSINESS

From start up to established, we can provide a broad range of affordable coverages to help you protect your business by focusing on the unique risks and potential claims that could occur. Let us work for YOU.

COASTAL/FLOOD ZONE

Coastal areas and “high risk” zones are usually required to carry flood insurance, however 25% of all flood claims are in “low risk” areas. Physical damage to your property from flooding is not covered under a standard homeowners or dwelling fire policy and requires separate insurance. We cover flood damage including overflow of inland and tidal waters, mudflow, erosion along shoreline and rapid, unusual accumulation or runoff of surface water.

Prep Your Motorcycle for Spring

Check for proper tire inflation pressure:  For peak performance and fuel economy, it's important that the tires are not over-inflated or under-inflated. Repeated under-inflation should be inspected because it could signal a slow leak that could cause a blow out.

 

Don't overload your bike:  Overloading places stress on the tires and can cause poor handling and excessive fuel consumption. Check your owner's manual to determine limits.

 

Look for wear:  Get in the habit of getting professional inspections to be sure the tires are in the best condition possible. Pay attention to tread wear indicators and keep an eye out for foreign objects, and cracks or grooves that would require replacement.

 

Break in new tires:  Brand new tires should be ridden very cautiously for the first 100 miles to allow the tires to be "scuffed-in." This provides the rider with an opportunity to get to know how the new tires handle and react.

 

 

 

 

Tips To Heat Your Home Safely

scarf-around-house

Almost half of all families in the United States use alternate heating sources in place of or in addition to a furnace. However, heating equipment can be dangerous if not used properly. Whatever methods you choose to heat your home this winter, take the following precautions to stay both warm and safe.

USE THE RIGHT EQUIPMENT

Be aware that mobile homes require specially designed heating equipment. Only electric or vented fuel-fired heaters should be used.

INSPECT YOUR FURNACE

Check annually to ensure controls and emergency shutoffs are in proper working condition and the flue pipe and pipe seams are well supported and free of cracks.

REPLACE YOUR FILTER

Replace or clean your furnace filter about four times per year. A new filter makes your furnace more energy-efficient and saves money.

SET UP ANNUAL SERVICE

Have your furnace cleaned and checked by a professional every year. The older the furnace, the more important this service is. Newer gas furnaces are equipped with many features that shut the furnace off when a problem is detected. Older furnaces don't have this.

CLEAR SOME SPACE

Keep all potential sources of fuel such as paper, clothing, bedding, curtains or rugs at least three feet away from your furnace, space heater, stove or fireplace.

CHECK REGISTER VENTS

Be sure at least 80% of the registers in your home are open. If you close too many off, you may get unnecessary heat buildup in the furnace.

BE CAUTIOUS OF CARBON MONOXIDE

Virtually every gas furnace produces some carbon monoxide, but an inefficient or dirty furnace can produce deadly amounts. Carbon monoxide is an odorless, colorless gas which can cause flu-like symptoms, disorientation, confusion and even death.

USE SAFETY WITH SPACE HEATERS

If you must use a space heater, place it on a level, hard non-flammable surface at least three feet from anything that may burn. Look for models that shut off automatically if the heater falls over, and never leave them on when you're sleeping or away.

FOLLOW FUEL GUIDELINES

Make certain you follow manufacturer recommendations and use the right kind of fuel for fuel burning space heaters.

Auto Insurance Tricks

Compare Companies

Look to Bundle

Take Defensive Driving

Slow Down

Sell The Sports Car

Raise Your Deductible

Raise Your Credit Score

Chien sur son fauteuil.  Le fauteuil est totalement détruit!

The Dog Ate My Couch

Standard homeowners policies won’t cover any damage to your house or personal property caused by a pet. Insurance policies can vary widely, however, so make sure you ask your agent what is and isn’t covered by your policy.

Unfortunately, your personal property is probably not covered no matter what kind of animal does the damaging. If it runs through your sliding door and wreaks havoc on grandma’s china, then you’re covered for damage to the door, but not the china.

You go to your friend’s house and bring Fido for a dog playdate. Fido then rips through your friend’s couch. Are you covered? Yes. Homeowners liability protection will cover the damage to other people’s property caused by your pets. Just not your property. Friendship saved.

Learn More

4 Things Restaurant Owners Should Know

Owning a restaurant is a 24/7 job. Worry less and protect your business with specialty coverage.

1. What types of establishments are we talking about insuring?

When we talk about “restaurant insurance” we are really talking about insuring all types of hospitality businesses including bars, taverns, sports bars, night clubs, entertainment venues, full service and quick service restaurants, pizzerias, delis, caterers, food trucks and more!

2: What are the basic insurance coverages that restaurant owners need?

Restaurant owners need to consider four basic property and casualty insurance coverages:

  1. Property
  2. Liability
  3. Workers Comp
  4. Commercial Auto

3: What are the factors affecting the cost of my restaurant insurance?

Insurance in the hospitality industry is individually underwritten based on the specifics of your particular restaurant.

  1. Location
  2. Volume (sales, payroll, square feet)
  3. Type of property
  4. Activities (entertainment, ID checkers, mechanical bulls, delivery, off premises catering)
  5. Hours of operations
  6. Proportion of alcohol sales
  7. Loss history
  8. Years in business
  9. Levels of coverage
  10. Lease requirements

4: How do restaurant owners buy restaurant insurance?

Restaurant insurance is a complicated topic, and every risk is different.

What often happens is restaurant businesses end up obtaining multiple policies covering the four basic insurance coverages cited above, often from more than one insurance company. Although you might prefer the convenience of one single policy and bill, that often is not possible or would be more costly or provide inadequate coverage.

 

Spring Is Here!

Make it a safe year on the water with this pre-season boating checklist.

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