Tag Archives: motorcycle

What Does Car Insurance Cover?

In most states, you are required to have car insurance. This is one of the expenses that goes along with getting your driver’s license, and owning a vehicle. It is important to understand what your car insurance does, and does not cover. Learning this after you have been involved in a car accident is an unpleasant way to find out that you didn’t have enough car insurance coverage. If you have had your car insurance for a while, you might want to talk to your insurance agent, and review your policy. This is a good way to find out about … Continue reading →

All-Terrain Vehicle (ATV) Insurance

Spring is just around the corner and last week I wrote a Blog about Personal Watercraft, or small boats. The other thing families seem to be attracted to adding as a toy are All Terrain Vehicle’s otherwise known as an ATV. Useful, fun and wonderful way to spend a weekend ATV’s are loved by families, ranchers, hunters, beach safety, and trail riders all over the country. In some cases, a Homeowner Policy might offer some coverage for an ATV that is used only on your own private property. But, most Homeowner policies will not cover if it’s used off your … Continue reading →

Four More Parental Liable Issues

Negligent Supervision is a legal theory where a minor child’s parents are held liable for their child’s negligent acts when parent knows or has a reason to know that it’s necessary to control the child and the parent fails to take actions to do so. Anyone with the custody and control of a child may be held liable including grandparents, guardians, foster parents or other adults with custody and control of a child. In most cases there isn’t a dollar limit for negligent supervision liability claims. In some situations an Insurance Umbrella or Homeowners insurance policy might offer some protection … Continue reading →

Things to Know Before You Buy The Family Boat or Watercraft.

Spring is about to be in the air and the inevitable urge to have a “family boat” will strike a few families this year–as it always does. Boating can be a wonderful family activity, and an affordable family hobby. Some homeowner and auto insurance policies may offer some limited coverage for personal watercraft, or small family boats. Before you purchase a watercraft take time to talk with your insurance agent or company about the coverage’s your personal homeowner policy or auto insurance might offer. Personal watercraft insurance can often be added by an endorsement to a homeowner policy, and many … Continue reading →

Figuring Out the Assets!

In the last Blog I wrote about the fact that It’s Time for My Personal Insurance Review and Updates. One of the most important steps to take when reviewing your personal insurance coverage it to determine your overall personal assets. I have always found Tax time to be one of the great times of the year to gather the information together and start determining our families Net Worth. It seems to older we get–the more we collect and the more we need to protect. I tend to separate my assets into several categories: Real Property that is paid off and … Continue reading →

Kidnapping Insurance: Chubb Masterpiece Family Protection

Shawn Hornbeck was kidnapped on October 6, 2002 and held hostage until January 12, 2007 when he was found with another boy who went missing a few days before they were found together. By now we have all heard the story and for once the ending is as good as it possibly could have been for a child who was kidnapped at the age of 11 and held for over four years. Shawn’s mother and step-father never lost hope and virtually invested every asset they had during their four-year ordeal. This story is repeated far too often in the United … Continue reading →

House Fire Hero’s Cause Cancellation of Homeowner Insurance

Last October our local news in ran a story about a woman saved by her two Pit Bull Dogs from a house fire. Apparently she didn’t have working smoke detectors, and her dogs were responsible for saving her life when they alerted her and woke her up. I remember making a comment to my husband, that without the working smoke detectors, and owning the two Pit Bulls it was likely the insurance company for the home would cancel the insurance policy. Well, today I heard on the news the woman has received the notice and her Nationwide Homeowner Insurance policy … Continue reading →

Renters Insurance

A Renters insurance policy typically covers the policyholders personal property from loss of certain perils such as fire, lightning, hail, windstorm, explosion, vandalism, theft and riots, as well as other risks outlined in the policy form. Renters Insurance policies also add liability coverage any damage the insured policyholder or dependents might cause to another person. Generally most Renters policies include provisions for additional living expenses, or loss-of-use when a renter is forced to move during times when the dwelling is under repair. When someone rents an apartment or private dwelling or purchases a condominium, Insurance for the renter and their … Continue reading →

Thanksgiving-Leftovers

Depending on what time zone you live in, you’re either taking a quick break before serving your Thanksgiving feast or you just feasted and are taking a break! Regardless, of the reason you are reading this Blog–chances are leftovers will be some part of your life for the next 24 hours or longer. Even, if you didn’t make the meal, chances are someone who cares about you–will send you home with those nice little packages of Thanksgiving dinner treats. Face it–leftover Thanksgiving is one of the number one best things about starting the holiday season! The important thing is to … Continue reading →

Good Will for All–Guest Medical

When you’re responsible for damage to someones property or for someones injuries it‘s a bad feeling and a real liability. The good news is that homeowner and renters policies can protect you from the financial worry. Liability insurance is part of the standard Homeowners and Renters Insurance policy. This portion of coverage protects against property damage or bodily injury claims you are legally responsible to cover due to your own negligence. Liability insurance protects you from claims such as someone slipping and falling on your front porch or a child playing in your yard breaking an arm. Another part of … Continue reading →