When it comes to commercial property risks, not all insurance companies want or can insure a mixed-use building. Mixed-Use means there is some commercial space and some apartment space in the same building. It could be a retail store, an…
Cute doesn’t exactly explain how the coverage’s apply. Is the “other structure” (in this case a garage called “other structure” on your homeowners insurance, could be a shed too) covered in this fire loss – yes. But what about the…
Were you surprised with a new puppy this holiday? With 70% of households owning dogs, homeowner’s often do not think about dog bites or being sued. This has been an ever increasing liability issue & lawsuits from aggressive dogs. In…
With some insurance commercials calling a backyard shed a “she shed” in insurance terms it is an “other structure”. So that she shed is covered by 10% of what the building is covered for in 99% of the insurance policies.…
Most consumers still don’t know there is an endorsement to a homeowner policy called – Underground Utility or Service Line Coverage. Since some of the national insurance companies don not offer this yet, it isn’t widely known homeowner coverage available. For…
More and more homeowner’s are using their homes as an Airbnb to make addition income, especially when not in use, like on vacation. But I have to forewarn you that there could be many exclusions in your homeowner policy. A…
Student Housing: Affordable Insurance. Their are many insurance companies who are scared off when they hear the words “student housing”. They think of wild parties, non-stop foot traffic and messy apartments. But there are several insurance companies who understand student…
Swimming pools and landlords That time of year when your tenants will be asking you, “can I get a swimming pool for my kids”? When one of our landlord insurance clients calls us with that question, my answer is always…
Property Claim – When a Car Hits Your Building. We have seen a small spike in which a car’s driver hits the accelerator instead of the brake and slams into a building. Extensive damage can be done when a 4,500…
Underground Utility Coverage Now Available. There has been a form of coverage, approved by the New York Insurance Department regarding underground utility coverage. Not all insurance companies have adopted this “endorsement” yet, but in our office 4 companies have. This…