November 21, 2024
jdowdinsWhen To File A Renters Insurance Claim
Common Reasons for Renters Insurance Claims Renters insurance can cover a range of situations, but it can still be challenging to know the appropriate time to file a claim. Below are common scenarios for people to file renters insurance claims and some guidelines for when to consider filing a claim. Fire damage – If an […]
November 18, 2024
jdowdinsWhat to Do If Your Homeowners Insurance Is Dropped
Receiving notice that your home insurance policy is being canceled can be alarming, making you feel like your most significant investment is at risk. Homeowners Insurance Cancellation vs Non-renewal Reasons for Homeowners Insurance Cancellation Insurers can cancel homeowners insurance policies for several reasons, including the following: Non-payment of premiums Failure to make required repairs Insurance […]
November 15, 2024
jdowdins5 Steps to Avoid Coverage Gaps In Personal Insurance
There are 5 steps you can take to avoid coverage gaps in your insurance portfolio. Assess liability risks. Certain policyholders may need to manage greater liability risk levels. For example, if you have children or pets, you may want to retain more coverage in your home insurance policy. Similarly, additional financial security may be advisable […]
November 13, 2024
jdowdinsWhat Are Common Gaps In Personal Insurance?
The various policies and coverages that make up your insurance portfolio can potentially ensure you’re able to endure accidents, natural disasters and unexpected circumstances that might otherwise incur devastating financial losses. These risks may be particularly prevalent for those who fail to identify and address common coverage gaps. Common Personal Insurance Gaps Consider the following […]
November 7, 2024
jdowdinsHow To Protect Your Business From Lawsuits
Lawsuits can affect a small business’s finances and reputation, so business leaders need to be proactive to mitigate these risks. Small businesses in all industries face the potential of lawsuits. These disputes can require substantial money, time and effort, and they can damage a company’s reputation, regardless of the case’s merits or outcome. Considering these […]
November 5, 2024
jdowdinsWhat Is the 80% Rule in Home Insurance?
One particularly important aspect of home insurance is what’s known as the 80% rule. This guideline is enforced by home insurance carriers and generally exists to ensure you’re maintaining certain coverage limits relative to the estimated cost of a complete home rebuild. The 80% rule states that your home insurance policy must have coverage limits […]
October 31, 2024
jdowdinsLower Your Home Insurance Costs By Maintaining Your Roof
Maintaining your roof can save you money, while a roof that is not regularly maintained may lead to difficulty in obtaining coverage. Ways you can prolong the life of your roof: Invest in Maintenance Identify issues early on so that they can be addressed promptly. Look for staining, lifting, cracking, missing or loose shingles, and […]
October 29, 2024
jdowdinsDoes Your Business Have A Safe Parking Lot?
The Importance of Parking Lot Safety Maintaining a safe parking lot is a crucial but often overlooked part of a small business’s risk management plan. A well-maintained parking lot not only helps prevent injuries and minimize liabilities but also contributes to a positive customer experience, a strong reputation and improved employee morale. While safety efforts […]
October 23, 2024
jdowdinsSafety Tips for Teen Drivers and Their Parents
Handing a teenager their first set of car keys can carry significant risks. In fact, recent research from the Centers for Disease Control and Prevention found that drivers ages 16-19 are more likely to be involved in a motor vehicle crash than any other age group. Nevertheless, newly licensed teens and their parents can work […]
October 21, 2024
jdowdinsSeven Commonly Overlooked Business Insurance Policies
Business insurance is essential for keeping a company financially resilient should disaster strike. While most employers know that they should purchase basic forms of insurance, such as a commercial general liability policy, they often overlook other important types of coverage that provide valuable financial protection and peace of mind. 7 Types Of Insurance Every Business […]