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What is Loss Assessment Coverage? Got a condo or townhouse? If you own a condo or town-home, you owe it to yourself to read this article and ask yourself, “am I fully covered by my HOA insurance policy?”  If you’re unsure, a loss assessment coverage policy is a protection that condo owners can use on

What is an Insurance Advisor? On this blog, we seek to educate the consumer in a straight-forward way so that you can make the best decision to ensure your family  and your property  are covered in the event of a catastrophe. While you may make the best decisions and cross your fingers that nothing befalls

Spring Cleaning: Time for Insurance! Out with the old, in with the new. Springtime brings a whole new set of activities to embrace. Everywhere we look, there’s something to be done. Probably the last concern we think of as we haul last year’s junk to the curb is how we’re covered by insurance. It’s a

Sewer Main Pipe Burst – Am I Covered by my Insurer? Is there nothing worse than discovering that your basement is flood and your possessions are floating in sewage? Yikes! When a “flood” like this occurs, we may rely on our homeowners insurance  to cover the damages. But did you know that a catastrophe of

The Right to Select Counsel, Part 2 This is continuation of our series, “The Right to Select Counsel” For part 1, click here. Location Matters While the previous example seems reasonable, every state has different requirements for independent counsel. New York requires a reservation of rights to result in a conflict of interest before a

The Right to Select Counsel, Part 1 One of the reasons we buy insurance, whether it’s homeowners insurance  or workers comp insurance,  is to aid us in court should we be held liable and sued. However, what happens when this liability coverage (sometimes referred to as “litigation insurance”) is compromised by interests that work contrary

P & C coverage – Do you Have It? Ever hear of property and casualty insurance? It’s a strange term, isn’t it? However, the meaning may be vague for the normal consumer. In laymen’s terms, property and casualty insurance (“P&C” in industry terms) is a broad type of coverage that helps protect the things that

Plan to Rent Out Your Home – Landlord Insurance or Homeowners Insurance? (Part 2) In part 1 of this series,  we looked at the various benefits of having a landlord insurance policy to protect your investments. Continuing, we’ll continue more factors to consider for adequately insuring your home when you rent it out.   The

Planning to Rent Out Your Home – Landlord Insurance or Homeowners Insurance? (Part 1) Purchasing a second home in the near future and plan to rent it out to others? Plan to rent out the spare rooms in your home via Airbnb? If so, do you know what kind of insurance policy you might need

Car Insurance after DUI? We’ve all made mistakes in our lives, but none can change the course of your life the way a DUI/DWI can. If you’ve driven under the influence of drugs or alcohol and have been determined by police to be a danger to public, you’ve likely been charged with a DUI, driving