Home Business Basics

Homeowner (HO) policies aren’t meant to insure businesses that are run out of a home. Premiums paid for homeowners coverage are for handling losses related to the ownership and use of a residence and related structures. Therefore no liability coverage is available for...

Renters’ Insurance Needs

Persons who live in apartments or rent a residence are fortunate. Most insurance companies can protect their assets and belongings by using a policy that is designed especially for tenants; a renters policy. Typical policies cover your possessions for common causes of...

Homeowners Coverage – Part 2

Part one discussed how a typical homeowner policy covers buildings and structures. Now let’s look at Coverage Part D, which is also a property coverage; as well as Coverage Parts E and F. These latter parts address coverage for injuries to persons or damage to...

Winter Driving – Part 3

In this part, let’s talk about handling winter roads by driving with the right attitude and expectations. Drive With A Winter Frame Of Mind – Winter driving often becomes frustrating due to having warm weather driving habits, expectations and behaviors....
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