Entries by Tosten1980

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, […]

If You Are Going Boating or Fishing, Be Sure Your Insurance is Current

If you’re an avid angler then you are serious about catching fish. Your success depends on your boat and equipment, keeping both in tip-top shape is important. An on that same note, keeping your insurance current is equally important.  Whether you fish just for fun or compete in tournaments, be sure your insurance is what […]

Do You Need Cyber Insurance?

Nowadays, even if you’re a small business, you probably need cyber insurance. The fact that over 40 percent of small businesses have been targeted in the last two years should be taken seriously. As most business, large and small, is increasingly reliant on the internet, playing it safe is just common sense. The unseen ‘bad […]

Renters Insurance for Your Personal Effects

If you rent a house, apartment or mobile home you should renters insurance coverage. Why? Personal effects are not protected by the landlord’s insurance policy. Your landlord’s insurance covers damage to the building but does not protect your personal possessions. If your personal effects are lost, damaged or stolen, renters insurance provides coverage. Renters insurance also protects […]

Why Do Business with an Independent Insurance Agent?

You may have wondered about the phrase Independent Insurance Agent. What exactly does that mean? And why should I use them? In this week’s blog we will try to clarify that for you. Insurance agents who work for one company are referred to as ‘captive agents. They will only sell insurance policies from one insurance […]

Home Insurance and Tornado Season

Tornado Alley, a swath of land from Texas to Nebraska, is most prone to destructive vortexes, but the fact is, tornadoes can strike anywhere. Random tornadoes have formed in areas far outside of Tornado Alley in recent years, touching down in cities from outside Sacramento, California, to Long Island, New York. For those of us […]

Fore! Got Golf Cart Insurance?

Perfect golfing weather may cause you to temporarily forget about your golf cart insurance. But before you grab the irons and head for the links, check to make sure your golf cart is fully covered.  Depending on how you use your golf cart and what type it is will be the deciding factors for the […]

Insure Against Hail Damage – a Property Nightmare

It’s that unsettling time of year when Mother Nature can wreak havoc on your property without much notice. Among the culprits is hail damage. Repairs due to hail damage can often cost thousands of dollars, depending on the size of the hail, the impact angle and force, and the duration of the storm. The fact […]