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Business insurance provides financial protection from losses you cannot control. This includes vandalism to your landscape in many cases. However, there are limitations to how much coverage you have as well as when this type of coverage applies. If you are unsure about any type of incident, contact your agent. READ MORE >>

  While most of us will never be in an accident with a deer, there will be some close calls. Driving on the outskirts of the city or on the highway, one will no doubt encounter a deer crossing the roadway.  Deer is most active at dusk and dawn, so that’s the time to be most vigilant about animals in the road. READ MORE >>

Home insurance is one of the best tools to help you when accidents happen. But it does not always cover losses related to wear and tear. Your windows need routine care to minimize risks to them over time. And, sometimes, the water damage created by your windows can be significant. READ MORE >>

Some insurance companies require drivers to make a deposit when purchasing auto insurance. Not all do this, though. It is important to discuss the need for a deposit with your insurer before agreeing to the terms. There are a few key things to remember about this policy and what the deposit means. READ MORE >>

Water damage inside a vehicle can be devastating. When it occurs, it can become hard to remove. The seats may develop mold over time. The carpeting or leather may warp. It can also cause significant damage to the engine and electronics. In this situation, your first step is to call your auto insurance company. READ MORE >>

An unoccupied home is one in which someone is not living at the moment. It is not uncommon for a home to be ready to live in but remain empty for a period of time. However, when this happens, the home insurance agent needs to know. This information becomes critical after 30 to 60 days. READ MORE >>

What if your friend is asking to borrow your car? It could be just for a few hours or for a few days but few things you need to consider in this case: by borrowing your car to your friend you are also borrowing your insurance. In most States the insurance follows the vehicle, not the driver – meaning whoever drives your car, your insurance is covering them. READ MORE >>

Many businesses have products, supplies or even property elements prone to contamination. Whether you’re a retailer or a manufacturer, contamination is a serious expense. Before settling on business insurance, consider whether contamination insurance is right for you. The Hidden Costs of Contamination READ MORE >>

  If you use your personal vehicle to deliver food, newspaper or any other type of delivery, you need to get a commercial auto policy. A personal auto policy has restrictions on vehicle usage and the insurance company can deny coverage if vehicle is used for this type of business. READ MORE >>

The tires on your vehicle take the most abuse every time you take them out onto the road. You are likely to need to replace them from time to time. However, proper driving habits can help you minimize how frequently this is. If you fail to maintain your tires, you could be in an accident. READ MORE >>

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