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May we have your email addresses? Some insurance companies use a client’s email address to notify that client immediately once a client’s claim has been reported. The email address will speed contact information to you regarding the adjuster handling your claim. Please provide us with your email when our staff asks for it. With your approval, we would also like to use your email to send timely information about new personal insurance coverages, ways to economize, and loss prevention.

Yard Sale Insurance

Ask us about yard sale liability insurance

Liability insurance provides coverage in the event of an injury incurred by a visitor. In addition, medical payments are included up to $1,000. There is a difference in one time event yard sales and frequent yard sales. Most one time yard sale events are held to sell unwanted personal items. These kinds of sales are generally covered under standard homeowners policies. If you intend to hold more than one yard sale or a series of yard sales, your homeowners policy may not provide liability coverage. This is because multiple yard sales may be considered a business. In such cases you should consider purchasing a specific business liability policy to provide adequate liability insurance.

Wedding Insurance

Wedding Insurance

We can help make sure your special day is tear-free.

Wedding insurance will cover the lost costs that result from a wedding postponement that is no fault of the wedding party. Two examples of this would be and ill-timed hurricane or a fire that burns down the venue.

A comprehensive wedding insurance policy will cover the expenses involved in cancelling or postponing a wedding due to events beyond the control of the insured. Most wedding insurance will also include $1,000,000 of liability insurance to cover an injury to a guest, damage to the wedding facility, and host liquor liability. There is some built-in liability coverage under your homeowners policy.

Wedding insurance also provides the following coverages:

  • Repair or replacement of the bride’s dress or the groom’s tuxedo if they are lost or damaged.
  • Reimbursement for lost deposits if a vendor goes out of business or declares bankruptcy before your wedding.
  • If the rings are lost, they will be replaced

The starting cost for wedding insurance is $160.

Golfers & Liability Insurance

Golfer's liability insurance - worth looking into.

Who is responsible if my errant golf ball strikes another individual? Your homeowners policy may offer you some needed protection. The liability portion of the homeowners policy will pay for any injury if the golfer who struck the ball has been determined to be legally liable. To be held legally liable, the injured person must prove that you failed to exercise ordinary care. In most cases if you yelled out a timely warning for a wayward shot, you would be considered to have given adequate care. Yelling fore may be a very timely action to practice.

Homestead Act Info

Homestead Certificate Circa 1868

The Homestead Act allows an individual to protect their primary residence up to $500,000 from any attachment, or execution or sale to satisfy a debt. Very simple information is needed to file a Homestead Act in which you reside. This filing may be done in the town or city clerk’s office. You will be asked to provide the book and page number for your deed or for your certificate of Title #. Homestead Act forms may be obtained at most Registry of Deed offices. To find your local office go to The cost to file a Declaration of Homestead is $35. Remember, the Homestead protection is not a substitute for homeowner’s insurance. The Homestead protection will be effective only after any liability insurance is used to pay for any judgements against you.

Flood Insurance – A Rising Concern

Ask us about flood insurance

The 2010 spring brought tremendous amounts of rain and with that, flooding damage to many homes and businesses. Before another round begins, perhaps you should consider purchasing flood insurance or sump pump coverage. The federal government has done a major change in the flood maps and has also increased the flood insurance rates. This may mean that properties formerly deemed to be in a non-hazardous zone could now be found to be in a hazardous zone. If a bank that holds deposits that are insured with the FDIC, mortgage holders who conduct business with that bank may suddenly find that they will now be required to purchase flood Insurance.

Anyone may purchase flood insurance even if their property is not located in a hazardous flood zone.

The National Flood Insurance Program offers low cost protection for homes and apartments in areas of low to moderate flood risk. Some people assume that federal disaster assistance will bail them out if their property is flooded. But disaster assistance is available only if a flood is a federally declared disaster. Most floods are not. Disaster assistance usually comes in the form of a loan which must be repaid with interest. The advantage in purchasing flood insurance is it reimburses you for your covered loss and never has to be repaid.

Ask us for a copy of the National Flood brochure