When we have elderly family members to look after, we tend to spend a good amount of time helping them deal with their health insurance and health care coverage. But it is also important not to overlook their property and casualty insurance coverage. In most cases, their biggest liabilities are with their home and automobile
When you are about to add your child to your auto insurance policy, you need to realize that your premiums could increase between 55% and 82%. So in order to ease the blow of increased premiums, you need to consider certain strategies. For example, your current insurer might not be your best choice. Every insurance company calculates rates differently, considering factors such as age, location, gender and grade point averages.
"If you're not getting better, you're getting worse." It's hard to say who was first to utter that phrase but you hear it most used in sports banter. It is a round-about way to say that we're not living in a static world - everything changes and the same is true for factors affecting the costs to replace your home. Your policy might have been up to the task of covering the expense of rebuilding your home at one time. But, chances are, it may no longer afford enough coverage unless it has been changed to reflect the reality of replacement cost. Insurance industry experts and others routinely estimate that up to two-thirds of homes in the U.S. are under insured. For most of us, checking our home's replacement cost periodically is a good idea.
Even though the major shutdowns of COVID are basically over, many employees have adapted the practice of working remotely, at least for part of the work week. This still presents insurance liabilities for both the employer and employee with work performed at home. Because most business general liability policies are written based on employees primarily working at a company's premises, you should have your J.P. Perry agent review your current coverage to see if the policy terms still meet your risk profile.
With concerns involving various pandemic related health issues and even personal security issues, there are other protections you need to provide that are not usually on your college "back to school" list. Liabilities and risks can follow your child to the college campus and J.P. Perry Insurance suggests you consider four major insurance coverages to protect them away from home.
With temperatures in the high 90's in Jacksonville this August, many homeowners are turning their attention to replacing or expanding their air conditioning systems. But they are also deciding to take on other repairs or home improvement jobs, like adding a room, remodeling a kitchen or bath or building a porch. In all of those cases, you need to be cool about covering your liabilities during renovation or home improvement work.
Many times a homeowner will be confused as to what repairs are covered under a homeowners' policy and what is covered under a home warranty plan.
More and more people are looking at saving energy costs by installing solar panels at their home. According to the Solar Energy Industries Association, residential solar energy has experienced an average yearly growth rate of 68% over the last decade.
While you and your family are spending time together during the summer months, those activities that you enjoy so much could also come with risks. From vacation homes to recreational vehicles you need to make sure you are protected in case an accident occurs. Here are some areas of recreation where you could be most liable.
With the increased demand for electric cars, due to environmental concerns and the rise in gas prices, there are many factors to consider when it comes to insuring the car and how it affects your homeowners' coverage.
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