Valentine's Day is the one time of the year that you can go the extra mile for your significant other. If you are thinking about going above and beyond what is expected to buy your loved one the gift of a lifetime, make sure that you also purchase enough insurance coverage to protect you from financial loss. Protect your investment so that your loved one will always be able to cherish your gift.
Do you get excited when the temperatures drop and the first big snowfall comes? Whether you spend your winter days sledding down hills in your neighborhood with your kids, hitting the slopes at your favorite resort or snowmobiling through open landscapes in the wild, winter fun comes with risk. You can’t cut back on the pleasure in order to protect yourself or those you love, but you can make sure your insurance policy has your back if something goes wrong.
Protecting your home from winter risks starts with year-round maintenance. A home that is well cared for in all seasons is more likely to withstand extreme drops in temperature, strong winds and moist conditions. Your insurance company may also use the lack of maintenance and repair as a reason to deny your claim if your home is damaged in a winter storm, so start with a routine maintenance schedule that keeps your house strong in the face of winter weather.
The U.S. involvement in conflicts around the world is bound to bring about questions and feelings of uncertainty. The possibility of additional military action abroad has had a few clients ask us about its affect on insurance pricing. The simple answer is, military conflict has no to little effect on U.S. insurance prices, especially in the short-term.
As another year comes to an end, it’s good to take stock of changes in your life or lifestyle that will affect your insurance protection in the New Year to come. The end of the year is a good time to conduct an insurance review to see if your policies still reflect the coverage you need or want. If changes are in order, it’s best to make them now so you can face the New Year with confidence knowing you’re fully protected against any eventuality.
Sending a child off to college is a significant milestone that represents the culmination of years of planning and hard work. As you prepare for the start of the semester, you should consider how your insurance needs may change with your son or daughter away at school.
People who have higher net worth typically have unique insurance needs that must be addressed. The average insurance policy is designed with people who have more modest means in mind. They have coverage limits and exclusions for high-value items, such as:
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Contact Hummel Group today for more information by calling 800.860.1060 or by clicking the button below.
According to the Los Angeles Times, it may cost as much as 30 percent more to rebuild parts of a home than to completely build a new one from scratch. Demolition and removal of damaged property are pricey, limiting what a homeowner can do when rebuilding only parts of a home.
You've hired a reputable builder, collected paint swatches and selected the siding and now you're finally ready to start that long-awaited remodeling project. Contact us today: 800-860-1060.
Whether your addition budget is large or small, you are adding both the value of your home and your exposure to risk. To ensure that your project goes smoothly and that you have the coverage you need, here's what you need to know.
