Insurance Insights

With the football season in full swing, thousands of people are heading to the East Rutherford MetLife Stadium, the Farmington High School stadium, and local colleges to watch their favorite football teams. This means countless hours tailgating family and friends in the parking lots. However, this season, it’s important that you are aware of the other type of tailgating.

Chances are you think that a few twigs and leaves in your gutters can’t hurt your home. But, this isn’t the case. In fact, to avoid large and expensive repairs to your home, you have to keep your gutters clean. Your gutters control the water that is around your house. When they get cluttered with debris, they can’t do their job and can result in serious problems.

Making a home inventory list can serve multiple purposes. Not only does it help you track and declutter and organize items that require repair or upkeep, but most importantly, it allows you to document your valuable items for your renters insurance company if your belongings are damaged or your home burglarized.

You may have everyday objects that present hidden dangers to children. Children may find these objects irresistible and draw them in. These “hidden dangers” are known as attractive nuisances. Attractive nuisances compel and entice children to come on your property and cause them harm.

There are so many things to cover when buying insurance to protect your loved ones from financial devastation if your home burns down, if you’re in an incapacitating auto accident, or if you lose your life and can no longer provide for your family. That is why it’s so important to make sure you do not have gaps in your personal insurance coverage that could make your policies inadequate to provide the protection you thought you were buying in the first place. These are some of the important gaps to watch for when buying insurance.

Antique collection is something people do as a hobby and it’s getting more popular since it’s so easy to find vintage items on websites like eBay. Also, antique collections are passed down through generations, which expand the collection through time. As your collectibles gain value, you might want to consider insuring them. Here are the steps to make sure you’re fully covered.

During the winter you may dock your boat in the harbor, but when you come for it in the springtime, will you find it wrecked? Snow and ice can build up quickly and damage your boat if you leave it for the season unattended without proper maintenance. There’s always the chance of a tidal surge. And then you have hurricanes to worry about, depending on where you live. So, how do you keep your boat safe in the harbor?

Each year, vehicles are getting smarter. They are now designed to generate power from braking, adapt to the speed of traffic, and even park themselves. However, our roads have basically stayed the same since we turned dirt and gravel into asphalt.

You have just invested in your new backyard Gazebo. This roofed outdoor structure provides you with a relaxing way to enjoy tranquility or entertain your guests giving you an open view of everything around you. Your gazebo can provide you with shelter from the hot sun, sit on top of a hill on your property so you can take in the view or serve as a focal point in your garden setting.

Buying your first car is exciting. The freedom you get from being able to drive where you want to go is a great privilege. However, with that new car comes an auto insurance policy. It’s important to have the proper coverage for your new set of wheels.