Most of us have seen the commercials on TV about Mayhem getting into some terrible situation, or the pig driving a convertible, but what you may not realize is what these companies spend in advertisement each year. The cost may astound you. While each of them are trying to outdo one another with the best this and cheapest that, you should begin to … [Read more...] about Insurance Advertising Dollars and Customer Service
Overlooking discounts for your Maine home insurance is easy to do. I often hear, “I didn’t know that!” when talking to customers about discounts. Especially when they hear something as standard as a smoke detector or fire extinguisher can take a percentage off of your premium. Taking advantage of all offered discounts is an easy way to save … [Read more...] about Overlooked Discount for Your Maine Home Insurance
It seems every winter I feel like it is worse than the last. Each year, I think this is most snow I’ve seen or this is the coldest it has ever been. Well, this year I might be on to something! In the beginning of January a pipe froze and then burst in the hall. Luckily, we reacted quickly and had the water shut off before serious damage to our … [Read more...] about Frozen Pipes! Are you covered?
Most people know when buying a home or car, you must have an insurance policy. You wouldn’t drive a new car off of the lot without wanting it covered. You wouldn’t want to be living in your dream home without having it insured. The “what if’s” and “in case of’s” could drive you mad. Why is it that over 60 percent of adults surveyed rent an … [Read more...] about RENTERS INSURANCE AND THE MAIN MISCONCEPTIONS
Graduation is an exciting time for parents and their children. Wanting to claim their independence, college graduates may not return home to live. While you are checking off the list of all the things your child will need to move out into the world alone, be sure to have them obtain Maine renters insurance. A common misconception is that the … [Read more...] about RENTERS INSURANCE FOR THE GRADUATE
Planning a vacation is exciting and fun. It is also an investment. While you are having such fun planning, are you aware of some of the risks that can occur prior to a vacation and during? Most people don’t plan vacations thinking about all of the things that could go wrong, but there isn't anything wrong with being prepared. Travel insurance … [Read more...] about TRAVEL RISKS YOU CAN INSURE
We are all aware that we are required by law to have liability car insurance. A simple definition of liability car insurance is coverage if an insured is legally liable for bodily injury or property damage caused by an automobile. What we may not be so knowledgeable about is collision and comprehensive coverage. While these types of coverage may be … [Read more...] about The Moose and the Tree – The Differences in Collision and Comprehensive Insurance
Beginning January 3, 2012, all commercial drivers - including truck and bus drivers - are banned from using hand-held and push-to-talk cell phones while behind the wheel, affecting an estimated 4 million commercial drivers. The new rule from the Department of Transportation prohibits commercial motor vehicle drivers from holding, dialing, or … [Read more...] about Nationwide Cell Phone Ban
Rock group Kings of Leon will likely need a doctor to diagnose lead singer Caleb Followill's "exhaustion" if the band expects an insurance payout after canceling the remaining 29 shows on their U.S. tour. "If he is truly sick, he'll probably need a doctor to medically diagnose him," says Paul Bassman, executive vice president of Doodson … [Read more...] about Insurance Implications of a Canceled Concert Tour
You won't hear this just anywhere, but in our office this very important task is managed by -- our receptionist. Actually (and this is quite surprising), most insurance agencies have no formal process in place for monitoring the financial ratings of the companies they represent. That means other agents can easily allow a ratings downgrade to … [Read more...] about Who Watches The Financial Ratings For Your Insurance Company?
In my last blog post, I explained how our licensed agents use their binding authority to provide instant insurance coverage for our clients in certain situations. When our area is subject to a Hurricane or Tropical Storm Watch or Warning however, things go the other way. Because we are within 250 miles of a coastline, each year as hurricane … [Read more...] about Can You Buy Home Insurance During a Hurricane?
My previous blog post about dog bite claims mentioned a scenario where an insureds home liability coverage might be exhausted by a large claim, leaving the homeowner stuck with the balance--a truly unfortunate mess. How do you protect yourself from the worst-case scenario? Most folks turn to a personal liability umbrella policy, which we highly … [Read more...] about Should You Have a Liability Umbrella Policy?