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ARCHIVED BLOG POSTS

2013 

What dog doesn’t like to go for a car ride every once in a while—and what dog owner doesn’t like to indulge that? And cats, while not friends of automobile transportation in general, need to visit the vet annually in order to ensure their continued good health which means they, too, must travel b...
01/25/2013
Your home is probably your largest single investment, so insuring it adequately is very important. It is estimated that about 60 percent of American homes are underinsured by an average of 22 percent. You should have an amount of insurance that is sufficient to rebuild your home in the event it i...
01/22/2013
The Difference between Personal and Commercial Auto Insurance As you can tell by the names, personal auto insurance and commercial auto insurance differ because one is meant to cover your personal automobile and the other your commercial (or business) automobile or fleet. But in truth, the differ...
01/21/2013
Here is some food for thought when it comes to storing data in the cloud, where are you exposed?   The risks your company is exposed to in this Internet era are limited only by the imagination of the would-be thieves, virus designers and hackers out there. Cyber risk insurance can help limit the ...
01/19/2013
25% of all flood Claims are from a non flood zone area. One in four homes does not experience a flood loss every year. However, out of the flood claims filed each year, one in four is in a non flood zone. Flood is defined as the rising and overflowing of water onto normally dry land. If you are ...
01/19/2013
What do $150 million for fisheries across the country, $10 million for FBI salaries, $2 billion for road construction across the country, and funding for the Head Start program have to do with Hurricane Sandy?? This $60,000,000,000.00 SANDY Amendment was loaded with NON-SANDY RELATED spending, in...
01/17/2013
Are you mad about an experience you’ve had?  Do you want to post a nasty review on a website like Yelp or Angie’s List? Think twice about what you may write   An embellished & hateful review can get you in big trouble for defamation.  If you’re writing about your experience with the plumber, expl...
01/11/2013
This is very good post about insurance premiums & insurance rates. We have seen insurance premiums increasing exponentially over the last several years in all of the gulf states & the eastern seaboard.  Coverage limits,deductibles, and what is included or excluded from your coverage are key premi...
01/09/2013
Always recommend buyers to get flood insurance, even if they are not in a flood prone area. I have seen several Lawsuits where Agents have said " this is not in a flood zone, so its not needed" and guess what? the homes have flooded. one lawsuit settled for over 200K against the agents E&O Insura...
01/08/2013
 I see this often, many times homeowners "think" that if there was no payout, that nothing was reported. Disclose previous insurance claims is sooo Important, especially in this situation. we are at the 11th hr and now their is issues with buyers obtaining insurance because of too many claims rep...
01/07/2013
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Frank Laisch

"The Insurance Guy"
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