In most states, drivers are required to carry personal liability auto insurance. This covers your financial responsibility if you injure someone or damage their property while operating your vehicle. But what if the accident is caused by a trailer you are towing? Your personal auto policy may insure your liability for damage or injury to […]
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Gutters can be easy to overlook. But they can get clogged with decaying leaves and other organic matter, leading to damage and expensive repairs that your home insurance won’t cover. Inspecting and cleaning your home’s gutters is crucial Here are some top reasons gutter maintenance is a big deal for your home and budget. Prevents […]
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Insurance companies transfer individual and business risk for a price. They crunch numbers and calculate risk scenarios to develop pricing strategies that balance profits and payouts. Profits allow insurance companies to manage their cash so it’s available when their customers make claims. An insurance company’s ability to pay its debts and claims makes it stable. […]
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There are plenty of reasons for an undo-and-destroy button when posting content online. An unfortunate post could get downloaded or screen captured within seconds, taking it out of your hands and leaving it for others to control forever. But what if: You didn’t update or authorize the content? The person purporting to be you isn’t […]
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There are three primary components of auto insurance. Depending on where you live, some may be mandatory and others may be optional. Liability — Pays expenses related to bodily injury to another person or property damage caused by your vehicle Comprehensive — Reimburses any damage or replacement required for your own vehicle due to incidents […]
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Many American families have an accumulation of stuff in their homes: gasoline cans, spare oil, half-containers of antifreeze, fertilizer, yard pesticides and other materials all compressed together into one poorly ventilated space. This creates the perfect conditions for vapors, chemical reactions and combustibles like cardboard boxes to accumulate, heat up and ignite. As you think […]
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Let’s talk about replacement cost. What does that mean? If there was a loss what would the cost be to rebuild your home, to replace it? This amount is usually very different from a tax valuation or the market value; causing confusion for home buyers when obtaining a comprehensive homeowners policy. We’ll break it down […]
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Midcoast Maine has recently been battered by a series of powerful storms with damaging winds. Many residents lost power or are pleasantly surprised that they didn’t. Driving around you cannot help but notice many felled trees, but also the tree service crews that are a welcome sight. Does Homeowner’s Insurance Cover Tree Damage? There is […]
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If you’re not 100% sure what the difference is between whole life and term life insurance, you’re not alone. For many, it’s enough to know that term life insurance is generally cheaper. But cost isn’t the whole story. To help you decide which is best for you and your family, read on to learn the […]
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Most of us don’t spend much time dealing with life insurance; it’s a “get it and forget it” kind of product. And since life insurance often seems complicated, it’s not surprising that we get some of the details wrong. Here are five misconceptions that many people have about life insurance — and the truths to […]
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