What is vacant land? This question comes up occasionally. If it is truly vacant land, your homeowners' policy could extend automatic coverage for liability. Few plots of ground would be considered vacant per the ISO definition, which is “any land on which there exist no man made structures”. There can be no roads, fences, poles, structures, etc. If you have vacant … [Read more...]
Snow and Ice and How NOT to Drive
Winter has been a little off this year with the warm days and thunder storms, but the slick roads have arrived. You should be thinking about the route you take now, so that you can plan your route to avoid known trouble spots. I like to lay out my route to try and avoid routes that will take me on a hill or sharp curve. You may have to go a little out of your way, but if … [Read more...]
Do you want to become a weather spotter?
The National Weather Service in Paducah KY will be conducting 10 Spotter Training Webinars in preparation for the upcoming severe weather season. These free webinars are open to anyone and will have all the content of their basic spotter class. For a list of dates and times, or to register, visit their web page. National Weather Service Paducah, KY … [Read more...]
Homeowners’ / Renter’s Inventory List
A devastating loss can occur in an instant. A Fire, Tornado, or Flood can wipe out all of your possessions. Everyone needs a home inventory list in case of a devastating loss. It is much easier to do it now, than to wait until after a loss. This link, KnowYourStuff, takes you to a free tool to download & prepare a home inventory list. It is part of the Insurance … [Read more...]
Statistics on Homeowners Claims in 2011
Did you wonder why your homeowners insurance rates are going up so much? Take a look at these slides from the Insurance Information Institute and it will help you understand. Our weather patterns of late have really been causing havock with property insurance carriers. Insurers expect to pay at least $2 billion each for the April 2011 tornadoes in Alabama and a similar … [Read more...]
Thinking of others this holiday season
The Travelers dog has a special bone that is the envy of all the neighborhood dogs. Watch and see how thinking of others this holiday season can brighten one dog's day. We here at GoVaughn.com Insurance are proud agents for Travelers Insurance. Ask us to quote your home and auto insurance with Travelers. [tentblogger-youtube uHEPcVaoaQ0] … [Read more...]
Test Your Homeowners Insurance IQ
[tentblogger-youtube vYcAVn8YlLE] … [Read more...]
Neighbors and Trees
A Frequently Asked Question on a day after a storm My tree fell on my neighbor's property (deck, pool, fence, or house). As the property owner, am I responsible? Will my insurance pay for the damages? Most of the time, the answer is no and no. So who will pay for the damages? It is a claim on the other person's homeowners' insurance and not the property owner of the tree that … [Read more...]
When life changes, so can your insurance needs
While wandering outside his house, the Travelers dog suddenly notices a glamorous female pooch. It's love at first sight. With love-themed music in the background, we watch their blossoming summer romance. The last scene shows the dog walking into his living room with his prized bone in his mouth. Something stops him in his tracks: a litter of puppies! [tentblogger-youtube … [Read more...]
Art Hop Gallery Show and Sale
We are proud sponsors again this year of the Downtown Henderson Art Hop Gallery Show & Sale that is scheduled for Novemeber 4, 2011 in Downtown Henderson from 5:00pm to 10:00pm. This unique and wildly popular event is the perfect evening out as Tri-State artist display their wonderful original works of art for the community to view as well as purchase. There are 49 … [Read more...]