We hear stories of families that lose their possessions in house fires, or damage created by storms. Most of the time we don’t think it will happen to us. Unfortunately it can. It is important to create a list of the inventory in your home. Over $43 billion dollars in damage was done in 2011. That is a lot of loss. Research suggests that more than … [Read more...] about WHAT IS IN YOUR HOME?
maine home insurance
...it really gets the attention of everyone at work! And it generally means that you did something pretty special--something your customer appreciated enough to call a florist! On Monday, I looked up from my desk and watched as a delivery of flowers was made to my co-worker Rosemary Campbell, who had so impressed a very nice couple with the … [Read more...] about When a Client Sends Flowers…
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?
At Cheney Insurance we have a staff of eleven very talented people--including seven licensed insurance agents. The licensed agents each have special binding authority extended to them by the insurance companies we represent--those whose insurance policies we sell. This "authority" carries significant responsibilities, and is the mechanism by … [Read more...] about What Does Our “Binding Authority” Mean To You?
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?