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 Insurance Insights

2 Out Of 3 People Are Underinsured – Are You One Of Them And Don’t Realize It?

5/13/2025

 
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🛑 66% of U.S. homes are underinsured
🛑 1 in 7 drivers has no insurance at all

Why? Many people either can’t afford full coverage or never revisit their policies as costs rise. That means when disaster strikes, the protection they thought they had falls short.
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Here are 3 real-life examples:


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Moving & Insurance: What You Need to Know Before Packing Up

5/6/2025

 
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May begins the historic peak season for moving in the US.  Whether you're moving across town or to a new state, one of the biggest decisions you'll need to make is how to transport your belongings.

The method you choose—hiring professional movers, renting a truck yourself, or using your own vehicle—can have a major impact on your insurance needs.
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 Here’s what you should consider to make sure your belongings are adequately protected during the move.

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New Year, No Claims: Practical Quick Tips For A Low- Risk Fireworks Celebration

12/24/2024

 
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Did you know that the New Year's holiday typically sees a spike in insurance claims?

Celebratory activities, including the use of fireworks, can lead to unexpected accidents and, in some cases, insurance claims.
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By taking a few quick precautions, you can ring in the new year without the stress of dealing with insurance claims. Here are 10 practical tips to keep in mind if you plan to include fireworks as part of your celebration:

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Deck Your Halls Safely: 5 Christmas Decoration Fire Prevention Tips

12/12/2024

 
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After Thanksgiving, the Christmas season is another significant period when home fire risks increase significantly.

According to the National Fire Protection Association, holiday decorating causes an average of 790 home fires each year, resulting in substantial property damage and insurance claims.
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To keep your holiday merry and safe, here are 5 decorating tips to significantly reduce the risk of fire and the potential for filing an insurance claim.

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Does Your Renters or Homeowners Insurance Cover Package Theft?

11/28/2023

 
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Are you concerned about package theft this holiday season?  If so, you're not by yourself.  Almost 7 out of 10 homeowners are, according to a recent survey by the Chamberlain Group.

Do you know if your renters or homeowners insurance covers package theft?

Generally it does, but coverage is only helpful for purchases that are valued more than your deductible.

Most deductibles fall between $500 - $2000, and over half of all packages stolen last year were worth $50 - $200, so filing a claim isn't a viable option or in your best interest.

What do you do if your package isn't at your home when it says it was delivered?

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Hurricane Season Starts Today!  Are You Ready?

6/1/2023

 
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​If you live in Georgia and South Carolina, there is a good possibility that you could experience damage from a hurricane-related event.

What insurance do you need to cover water and wind damage?  Depending on exactly where you live, a good plan could include a combination of insurance policies.
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Here are some essential tips to take BEFORE a hurricane comes your way:

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Is Your Stored Personal Property Properly Insured?

5/24/2023

 
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Is  your stored personal property adequately insured?

May marks the beginning of peak moving season, and many will need to store personal property off-premises as part of the moving process.

There are numbers of possible storage options, and insurance coverage can be impacted by the option you pick.  Here are some things to keep in mind to make sure your property is protected:

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    Author

    Dennis Lam

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