This Independence Day is expected to set a record for the number of Americans traveling — and while that’s great news for reunions, road trips, and summer celebrations, it also means a greater potential for insurance claims.
July 4th consistently ranks among the highest-risk days for incidents that affect both people and property. Here are 7 practical tips to protect yourself, your guests, and your property from becoming part of the claim statistics: Are you among the many side hustlers renting out your backyard, pool, or other property by the hour?
In addition to bringing in some extra money, it can also create additional liability issues for you. When people think about what affects their homeowner’s insurance premium, they usually think of things like the age of their roof, condition of their home, and where it’s located.
But does your credit score also play a role? Throughout my career, I've had more clients than I'd like who declined certain insurance coverage only to then experience some tragedy in which that coverage would have provided much needed protection.
While you don't want to over insure your assets, you DO want to make sure your insurance is adequate. Here are three real-life examples that drive this point home: Severe Storm Season Is Back: Are You Sure Your Homeowner’s Insurance Policy Covers Wind Damage?6/3/2025
Last year’s hurricane season provided some hard lessons for thousands living in their direct paths. Torrential rains, followed by hurricane-force winds, wreaked devastation on areas with heavy tree densities. This combination created the perfect storm for trees, especially pines, to uproot and fall.
Given our country’s increase in wind-related weather disasters, insurance companies are changing coverage details in some geographic areas. What does this mean for those living in Georgia and South Carolina? Do your outdoor recreational hobbies include ownership of non-auto motorized vehicles like golf carts, boats, motorcycles, ATVs, or RVs?
Insuring these can be very different from protecting conventional autos. Here are 4 points you should be aware of if you own a recreational vehicle like these: 🛑 66% of U.S. homes are underinsured
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AuthorDennis Lam Archives
July 2024
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