Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Can I Designate Someone Other Than A Family Member As My Beneficiary?

Although many people name family members as beneficiaries on their life insurance policies, it is certainly not a requirement. There are almost no rules restricting who you can choose, and you can change your beneficiary at any time (for example, after a divorce). The only universal restriction for life insurance beneficiaries is age. You cannot name a minor as your beneficiary. To provide a person...

Builders Risk Insurance Vs. Contractors Insurance

If you are in the construction business, you need the right types of insurance coverage to protect yourself. You are likely to need builders risk insurance in addition to contractors insurance. Together, these two forms of coverage can protect you against certain losses. What Is Builders Risk Insurance? Builders risk insurance is designed to cover a contractor’s equipment, materials, and property related to the construction...

Basic Dryer Maintenance: How To Clean Dryer Vent Systems

Clothes dryers are responsible for nearly 15,000 house fires each year. And according to the National Fire Protection Association (NFPA), the leading cause of dryer fires is failure to clean lint from the system. We all know the importance of cleaning your dryer’s lint trap to prevent dryer fires. But many homeowners neglect to look beyond the machine itself to inspect their home’s dryer vent....

What Insurance Do I Need To Rent Out My Home On Airbnb?

Airbnb provides up to $1 million in liability insurance to protect its hosts against third-party claims for personal injury or property damage, as stated by the company. However, this coverage is limited to certain types of liability and is subject to certain conditions, limitations, and exclusions. Your homeowners insurance or renters insurance may not provide the additional coverage you need. Our knowledgeable agent will be...

Protecting Yourself from Carjacking

Carjacking has risen in prevalence both locally and nationally.  According to the Bureau of Justice Statistics, a division of The United States Department of Justice, carjacking is “completed or attempted robbery of a motor vehicle by a stranger to the victim. It differs from other motor vehicle theft because the victim is present and the offender uses or threatens to use force.”  According to their...