July 10, 2024
jdowdinsCan A Business Insurance Claim Denied Because Of Late Notice?
The Importance of Timely Notice Under Claims-made Liability Policies Claims-made liability policies require timely notice of claims or circumstances that could lead to a claim for an insured to qualify for coverage. This allows insurers to properly investigate and respond to claims, which helps control costs and determine the legitimacy and extent of the claim. […]
July 8, 2024
jdowdinsJuly Is National Vehicle Theft Prevention Month
The National Highway Traffic Safety Administration (NHTSA) is raising awareness about the risk of vehicle theft and providing guidance on protecting your vehicle from criminals. Did You Know? Over 1,000,000 motor vehicles were stolen in 2023 in the United States. Historically, passenger cars have made up approximately 74% of all stolen motor vehicles. A motor […]
July 3, 2024
jdowdinsWhat Is The Process For A Home Insurance Claim?
Knowing how and when life will return to normal helps give you peace of mind when an unexpected loss occurs. Check out this general guide to the home insurance claims process, so you can understand what to expect if you have to file a home claim. Home Claim File a claim For many carriers you […]
July 1, 2024
jdowdinsHow to Keep the Whole Family Safe While Boating This Summer
Boating in the summertime can be an excellent activity for the whole family to stay cool and enjoy exploring open waters. However, boating can pose many inherent risks, such as property damage, injuries and drowning. It’s essential to understand how to mitigate these risks before hitting the water. Consider the following tips to mitigate risk […]
June 26, 2024
jdowdinsWhat Is The Process For An Auto Insurance Claim?
Knowing how and when life will return to normal helps give you peace of mind when an unexpected loss occurs. Check out this general guide to the auto insurance claims process, so you can understand what to expect if you have to file an auto claim. Auto Claim File a claim For many carriers you […]
June 24, 2024
jdowdinsDoes My Credit Score Affect My Insurance Premium?
The simple answer is yes, credit scores can affect insurance premiums in most states, but not all. Insurance companies use your credit history to calculate an “insurance score” that estimates your risk of filing an insurance claim. People with lower credit scores may be considered higher risk and pay higher premiums. However, the impact of […]
June 20, 2024
jdowdinsWhat Kind Of Water Damage Coverage Does My Home Insurance Cover?
The amount and type of water damage coverage your homeowners policy has depends on what coverages you selected when purchasing the policy. Choosing the right water damage coverage for your home can be quite confusing. To make sure you have the right coverage for your home starts with understanding the coverage options available homeowners insurance. […]
June 17, 2024
jdowdinsWhat is Inland Marine Insurance?
Contrary to its name, inland marine insurance does not relate to the ocean or waterways; rather, it can help reimburse losses stemming from an organization’s products, materials and equipment getting damaged or lost due to covered perils that occur while these items are being transported over land (e.g., via van, truck or train). Such coverage […]
June 12, 2024
jdowdinsDoes My Insurance Cover Dog Bites?
Sharing your home with dogs can be a delightful and rewarding experience, often providing you and your family with company and comfort while encouraging you to enjoy the outdoors. However, while these furry friends can be beloved additions to your family and household, they may also come with potential risks. After all, regardless of how […]
June 10, 2024
jdowdinsWhat Is The Difference Between Basic and Broad Commercial Property Coverage?
A business’s property is essential to its operations, so property losses can create substantial disruptions. Securing commercial property insurance is integral to a company’s risk management plan. Such insurance offers vital financial assistance to repair or replace commercial buildings, structures and their contents if they are damaged or destroyed by covered perils. Businesses have options […]