This question comes up occasionally. The importance of the answer is that ISO Homeowners’ policy forms include vacant land for liability automatically. So if you have a piece of ground, it may automatically have liability coverage without any extra expense and without you having to do anything. If the land is not considered vacant, then you will have to add … [Read more...]
Community Service
Our agent, James Roll, serves as the secretary of Jerusalem Lodge No. 9. He is seen below presenting Henderson Community College Nursing Program student, Jessica Brown, with the second installment of $500 to complete her $1000 Scholarship awarded to her by Jerusalem Masonic Lodge No. 9 for her first year in the nursing program. Jerusalem Lodge No. 9 is fortunate to … [Read more...]
Preventing Frozen Pipes
Each year, as winter approaches and cold weather sets in, there is a chance that your home or commercial building could sustain some damage that is associated with the cold temperatures. One of the most frequent causes of damage in the winter is due to water, which can become a major concern as the thermometer dips below freezing. Low temperatures can cause your water pipes … [Read more...]
Winter Tips to Prevent Claims
Snow or ice is the fifth leading cause of homeowners’ insurance claims. Also, according to the Insurance Information Institute (III), the average homeowners’ claim for water damage and freezing is a whopping $5,531! Follow these tips to protect you and your home from serious financial liability: Prevent ice dams - An ice dam is a build-up of ice that blocks water drainage … [Read more...]
Gift Suggestions that can help you be prepared!
It always seems to happen. During every holiday season we'll hear a news report about a Christmas tree or Menorah starting a serious house fire. Each year, millions of lives are disrupted by natural disasters ranging from earthquakes and tsunamis to floods and wildfire. But all disasters – large or small – share a common attribute: they focus attention on the importance … [Read more...]