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Posts in the ‘Home Insurance’ Category

Holiday Safety

FIRE LOSSES Great strides have been made in constructing fire-resistant buildings and improving fire-suppression techniques, both of which have reduced the incidence of fire. However, in terms of property losses, these advances have been somewhat offset by increases in the number of and value of buildings. In 2014, on average, a fire department responded to more »

Can I Replace My Most Valuable Asset?

For many people, their home is their greatest asset, so it is crucial to avoid being underinsured. To protect their investment from disasters, homeowners should update their insurance regularly to include improvements, major purchases and increased rebuilding costs. Since the end of the Great Recession in June 2009, despite the major drop off in construction more »

Barbecue Safety Tips

Every year, millions of Americans safely enjoy outdoor barbecues, but accidents do happen. According to the U.S. Fire Administration, about 5,700 grill fires take place on residential property every year, causing an annual average of $37 million in damage, 100 injuries and 10 deaths. The majority of grill fires are caused by malfunctioning gas grills. more »

Easy Guide to Homeowners Coverage

A standard homeowners insurance policy includes four essential types of coverage. They include: Coverage for the structure of your home. Coverage for your personal belongings. Liability protection. Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster. 1. The structure of your more »

Women’s Month Are You Adequately Insured?

Whether or not they hold   down a paying job, many women contribute to the economic well-being of their family in important ways—from taking care of household tasks to acting as the primary care giver for children and aging parents. But these contributions are too often left unprotected by life insurance, according to the Insurance more »

Don’t Procrasinate-Inventory Your Precious Belongings

Home Inventory, the Insurance Information Institute’s free online home inventory software. This application makes creating and updating your home inventory easy and efficient. And with our free, secure online storage you will have access to your inventory anywhere, any time. You never know when a disaster may strike, but you can be prepared with an more »

Why Insurance Costs More in Florida

The National Association of Insurance Commissioners (NAIC) issued its latest national report on property insurance costs this week, and you’ll likely be seeing news stories about how Florida homeowners pay more than double the national average for homeowners insurance. This is not news. We Floridians already know the cost of homeowners insurance is higher here more »

Host Liability, What is it?

Be a Responsible Host When It Comes to Serving Alcohol at Parties Whether you are hosting a Super Bowl party or greeting the New Year with friends in your home, if you are planning to serve alcohol at any type of party it is important to take steps to limit your liquor liability and make more »

Insurance for Hosting Your Holiday

Hosting a holiday celebration? You could be liable… One-third of homeowners fail to realize they can be found legally accountable if an intoxicated visitor causes a car crash, according to a study by the Independent Insurance Agents & Brokers of America. Courts in many states will rule against hosts of holiday parties where alcohol is more »

Security and Fire Alarm Systems at Home

When was the last time you tested your home’s fire alarm? If you can’t remember, then it’s time to do it. Put your fire alarms to the test today. Please? This is Fire Prevention Week.  And, it’s one of those times when you really need to take action. It’s great if you have fire alarms more »

Trevor Hickman Insurance in Lake City

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