Things to Know Before You Buy The Family Boat or Watercraft.

Spring is about to be in the air and the inevitable urge to have a “family boat” will strike a few families this year–as it always does. Boating can be a wonderful family activity, and an affordable family hobby. Some homeowner and auto insurance policies may offer some limited coverage for personal watercraft, or small family boats. Before you purchase a watercraft take time to talk with your insurance agent or company about the coverage’s your personal homeowner policy or auto insurance might offer. Personal watercraft insurance can often be added by an endorsement to a homeowner policy, and many … Continue reading →

Earthquake Insurance

The standard homeowner insurance policy doesn’t cover earth movement claims. An earthquake might be the first thing that comes to mind when someone thinks about earth movement, but earth movement includes, landslides, mudslides, mudflow, sinkholes or other movement of the ground involving sinking, rising or shifting of the earth. In most homeowner and renter policies earth movement is an excluded loss and means claims aren’t covered unless the policy holder adds an endorsement for earthquake coverage. It’s up to the consumers to decide if their own situation requires an earthquake insurance endorsement. Earthquake insurance usually excludes any losses caused by … Continue reading →