Entries by Tosten1980

Insuring Your Vacation Home

Nestled in the mountains your vacation home is the perfect getaway for family holidays, ski outings and hiking trips. But remember an important part of planning your trip is to make sure you have the right insurance coverage on your popular secondary home; something to consider when family and guests are all under one roof.  Your insurance […]

Is Business Interruption Insurance Necessary?

Business interruption insurance can be as vital to your survival as a business as fire insurance. Most people would never consider opening a business without buying insurance to cover damage due to fire and windstorms. Too often small business owners don’t think about how they would manage if a fire or other disaster damaged their […]

What Holiday Gifts Need Insurance Coverage?

With holiday season just around the corner, give some thought to things you may need to add to your personal insurance coverage. Whether you know in advance what that might be or receive a gift that’s a surprise, it’s best to be prepared. Following is a helpful mind-jogger if you’re not sure about coverage for […]

Does My Homeowner’s Insurance Cover My Foundation?

Homeowner’s insurance can compensate you when your home or property is damaged in ways that your policy covers. Damage to the foundation is one of the most serious — and one of the most expensive — types of damage your home could sustain. Though homeowner’s insurance companies sometimes cover foundation damage, a homeowner with a damaged foundation […]

Fireplace Maintenance for Better Home Safety

Before you hang your stockings by the chimney with care remember that, while fireplaces can provide warmth and comfort, if you’re not careful, they can also be a hazard and jeopardize your home safety. Keep in mind the following precautions to help ensure home safety during the winter season. Keep Your Chimney Fireplaces Clean Have your chimney and […]

Buying a New Older Home?

If your idea of a new home really means you want an older home with style and character, you will want to consider the factors of insuring an older home before you sign on the dotted line. While home insurance for older homes isn’t always more expensive, there are several factors that could lead to higher insurance […]

Distracted Driving Costs Lives and Raises Insurance Rates

Nowadays the first thing that comes to mind when talking about distracted driving is texting and cell phone use, but the fact is it isn’t just texting or using a cell phone. Any activity that diverts a driver’s attention puts that driver, passengers and everyone else sharing the road at serious risk. A partial list […]

Home and Auto Insurance after Retirement

Insurance plays an important role in your life no matter what stage of life you’re in. But the real challenge comes with managing your assets after you retire. Besides life and health insurance, your auto and home insurance are important to maintain during retirement. Auto Insurance Mature drivers are some of the safest on the […]

Business Owners Insurance is a Plus for Small Business Owners

If you’re a small business owner, carrying the right insurance coverage is essential to protecting your business and personal assets. Fire, theft and vandalism can shut down your business or require replacement of expensive equipment. A business owner’s policy (BOP) can protect you against all of these risks and more. It is simply a policy that provides […]

Home Is Where the Heart Is Along With Your Largest Investment

Home sweet home is a well-loved place to be. That’s why making sure you have the right homeowner’s insurance is so important. Owning a home is a lot different than renting. The typical homeowner’s insurance policy covers damage resulting from fire, windstorm, hail, water damage (excluding flooding), riots and explosion as well as other causes of loss, […]