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Insurance Blog

Do I Need Insurance for Undeveloped Property?

Do I Need Insurance for Undeveloped Property?

If you own undeveloped property, does it need to be protected with a separate insurance policy? The personal insurance section of your homeowners policy may cover vacant land up to a specific limit. If a lawsuit is filed against you for personal injury on the property, the policy limit may be too low. Personal insurance can be purchased separately or is one section of your...

The Importance of Reviewing Your Life Insurance Policy

The Importance of Reviewing Your Life Insurance Policy

You have likely already completed the hard part – putting a life insurance policy in place. However, it’s imperative you review your policy (or policies) at least once a year. The review will protect you from paying more than you need to, allow you to increase your coverage, or convert a term life insurance policy to a whole life insurance policy.  Why Review Your Life...

Replacing or Updating Your Medicare Beneficiary Card

Replacing or Updating Your Medicare Beneficiary Card

Your Medicare card is a sensitive, personal record that should be kept in a safe place at all times. But life happens, and sometimes Medicare cards get lost, stolen, or damaged. Life circumstances can also change, such as your name or address, and a Medicare card may need to be updated. How do you go about replacing or updating your Medicare beneficiary card? Continuing reading...

What Does Commercial Umbrella Insurance Cover?

What Does Commercial Umbrella Insurance Cover?

Your business is protected by your business insurance – but is it enough? A commercial umbrella insurance policy provides coverage when a claim exceeds the limits of your other policies. This type of policy is typically quite affordable and offers a critical level of protection against losses from substantial claims or lawsuits.  Do You Need Commercial Umbrella Insurance? A liability claim filed against your business...

Do I Need Boat Insurance for a Non-Motorized Boat?

Do I Need Boat Insurance for a Non-Motorized Boat?

Depending on where you live, you may not be legally required by the state to carry boat insurance for a non-motorized boat, but that is not the only reason to insure your boat. If you have invested in a sailboat, kayak, canoe, or RIB (rigid inflatable boat), boat insurance will protect your investment if the watercraft is damaged during an accident. It should also protect...