A policyholder that lost his iPhone unfortunately found out that a homeowners’ policy usually does not cover losing or misplacing an iPhone (or any electronic device). Contrary to what the Apple and ATT representatives said in comfort when the iPhone was reported missing, it is NOT covered most the time if you lose, misplace or break it. Homeowners' policies do cover … [Read more...]
Backup of Water/Sewer and Sump Pump Overflow
There are many endorsements that can be added to a homeowner’s policy. One being Backup of Water / Sewer – Sump Pump Overflow. This coverage is not automatically included under a standard homeowner policy, but can be added back in with this endorsement. The limits usually go in $5,000 increments with some companies offering as much as $50,000 or more. This … [Read more...]
City of Henderson moving to a Protection Class 2 City (Fire Insurance Rating)
"This is a good thing for Henderson KY in terms of fire protection, but don't look for a large decrease in your homeowners insurance premiums." -Nibby Priest, Licensed Insurance Advisor The Henderson City Fire Department announced today that they were moving to a protection class 2 effective January 1, 2015. Previously, they were a protection class 3. What is a city … [Read more...]
Home Based Business
What is a home based business? Trade, profession, or occupation - full, part-time or occasional. Any other activity engaged in for money or other compensation. There are a few exceptions. Home based businesses are one of the fastest growing segments in the small business segment. Depending on the size and type of business you may have limited to no coverage. Most … [Read more...]
VIDEO: Washing Machine Safety Tips
Do you have questions about Washing Machine Safety? Please contact us! Video provided by our partner company Travelers Insurance … [Read more...]