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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! We simplify the process by shopping and comparing quotes, cutting the jargon and clarifying the fine print so you know exactly what you’re getting.

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. One tiny mistake could leave your company in financial ruins. Let us work for YOU to help make sure everything is completely protected.

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.

Preparing For Severe Weather

Hurricane season is upon us and goes through November 30th.

 

Below are some tips to ready your home and family prior to a severe storm:

  • Determine safe evacuation routes inland. Don’t forget about your pets!
  • Learn the different warning signs and alerts to watch for.
  • Meet with those you live with to create an emergency and evacuation plan.
  • Learn locations of official shelters. Red Cross has a great resource that will help you locate shelter in the event of a disaster.
  • Review your insurance policy with your agent. Is your property covered for such an event?
  • Get the FEMA app on your smart phone.

 

Include these in your emergency kit:

Food and water. A three-day supply of non-perishable good, and have one gallon of water per person per day for at least three days. (Also have a manual can opener on hand!)

Prescription medicines. Have at least a three-day supply on hand.

Personal care items. Items like soap, toothbrush, toothpaste and contact lenses.

First aid kit. Your local store should have them in stock. They cost anywhere from $25 to $35.

Electronics. Be sure to have battery-powered or solar flashlight, a cell phone with a portable charger and have extra batteries on hand.

Important papers. Copies of drivers' licenses, special medical information, social security cards, etc. Keep them in a waterproof, air tight bag so water doesn't seep through.

Cash. With no power, stores may not be able to take credit cards and ATMs may be out of cash so keep a reasonable amount of cash available so you have it if needed.

Basic hand tools. A wrench or pliers to turn off utilities.

Pet food and extra water for your pet. Your furry friends also need a three-day supply of food and water!

Depending on the size of your family, you may need additional supplies not included in the list, such as baby formula or games for the kids.

By knowing your vulnerability and what actions to take, you may be able to reduce the effects of a hurricane disaster.

Grilling Safety Tips

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According to the U.S. Fire Administration, about 5,700 grill fires take place on residential property every year, most caused by malfunctioning gas grills. These fires cause an annual average of $37 million in damage, 100 injuries and 10 fatalities. In addition, thousands more people visit emergency rooms every year because they have burned themselves while barbecuing.

In the rare instance of a grill fire spreading to your property, your homeowners insurance provides financial protection, as fire is a covered peril. A standard policy covers:

  • Damage to the house itself
  • Damage to personal possessions, such as lawn furniture
  • Damage to insured structures on your property, such as a shed or gazebo
  • Injuries to a guest, under the liability portion of the policy

Of course, the best way to enjoy a summer of outdoor barbecues is to take steps to prevent accidents, and take fast action should any occur.

To avoid fires or unwanted burns, review the tips below to have a happy and safe summer.

  • If you are using a propane grill, make sure the lid is open before lighting it. If you're using a charcoal grill, remember to use the correct starter fluid.
  • Place the grill at least 10 feet away from your home, deck railings and overhanging branches.
  • If you are using a charcoal grill and the fire is low, revive it with some kindling and more charcoal. Avoid using liquid fuel as this can cause a flash fire.
  • Keep children and pets away from the grill area. If that is unavoidable, make sure they are at least 3 feet from the grill.
  • Never leave your grill unattended.
  • Keep your grill away from windy areas.
  • If you smell gas while grilling, step away from grill immediately and call your fire department.
  • When you're done grilling, scrape off any grease or fat buildup that's left over and in the trays below the grill. If you're using a charcoal grill, make sure the coals are completely cool before disposing in a metal container.

Despite all good efforts to prevent them, accidents do happen. Which is why they're called accidents—and why people have insurance! Here are steps to take if the worst should happen:

  • In case of fire get out the trusty fire extinguisher and, if the situation warrants, call 911. Fire spreads quickly and it's better to be safe with professional help than sorry.
  • Address injuries immediately. Run cool water over minor burns, but do not cover injured areas with bandages, butter or salve. In the case of serious burns, take victims to the emergency room or an urgent care facility. Again, if needed or when in doubt, call 911.
  • Assess your property damage. Once you have dealt with any injuries and the smoke clears, assess your property damage. If the situation calls for it, contact your insurance professional to discuss filing a claim.

Prep Your Motorcycle for Summer

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. If you should have a flat, here's a step by step guide to help get you back on the road.

 

 

 

 

Tips To Heat Your Home Safely

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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

Look to Bundle

Take Defensive Driving

Slow Down

Sell The Sports Car

Raise Your Deductible

Raise Your Credit Score

Get a Vehicle Monitor

 

 

 

 

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.

 

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.

 

 

Summer Is Here!

Make it a safe year on the water with this checklist.

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