Insurance Blog

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

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...

How Much Homeowners Insurance Do I Need?

  If you own a home, you may wonder how much homeowners insurance you really need. After all, the more coverage you have, the higher the premiums—and you probably want to avoid paying more than you need to. Still, if you don’t have enough coverage, could you afford to rebuild your home and replace your belongings if a disaster were to strike? The good news...

Can I Insure My Personal Vehicle With Commercial Auto Insurance?

If you are self-employed, you may believe your personal vehicles are covered for work use under your personal car insurance. When it comes time to file a claim, however, this could turn out to not be the case. Many business uses and vehicle types are excluded from personal policies. Our experienced agent can help you find a commercial auto insurance policy to suit your needs...

Understanding The Difference: Standard Auto Insurance Vs. ATV Insurance

All-terrain vehicles come with risks, and they can be expensive to replace when damaged in a crash. If you have an ATV, you won’t be able to rely on your car insurance to protect you. ATVs are not covered by standard auto insurance policies. Also, ATV insurance may be required by law if you ride in certain areas, such as state parks. On the upside,...

Insurers look to curb ransomware exposure as U.S cyber rates rise

- U.S. insurers are ramping up cyber-insurance rates by as much as 25% and trying to curb exposure to vulnerable customers after a surge of costly claims, industry sources said. The changes follow a challenging year of hackers using malicious programs, known as ransomware, to take down systems that control everything from hospital billing to manufacturing. They stop only after receiving increasingly hefty payments. The...