Congratulations! You’re going to be a parent. You’ve probably thoroughly researched the safest baby gear around and obsessed about nursery décor, but there’s one more thing to put on your pre-baby to-do list: Make sure your baby’s car seat is properly installed and you know how to make sure your baby is safely in place. [Read more…]
Did you know that your Renters Insurance or Homeowners Insurance policy may cover your possessions that are in a storage facility? Do you know what determines whether they will be covered, in case they become damaged or stolen?
Since the 1960s, when the first self-storage facilities opened their doors, the market for storage units has continually expanded. While needing a solution for short-term logistical issues (between moves, for instance) once provided the primary market for these units, today more than 50% of renters store anything they have that won’t fit in their homes. [Read more…]
In Part 1 we looked at several issues that relate to Renters Insurance, and now we’ll continue that discussion with a few more issues to consider.
Renters Insurance Typical Coverage
Under the umbrella category of Homeowners Insurance, the most popular type of Renters Insurance policy is an HO-4. “HO” refers to all types of Homeowners or Renters Insurance policies, and HO-4 is specifically designed for renters. It covers damage or loss of a rental unit’s contents, as a result of a variety of causes, including the following: [Read more…]
We all look forward to this time of year. Gathering with family and friends by the fire, wrapping those gifts, drinking hot chocolate, decorating the Christmas tree. But did you know that during the holiday season insurance companies see an increase in house fires due to faulty Christmas lights and decorations? [Read more…]
If you rent a home or another space, Renters Insurance is an important piece of the equation, providing protection for both your belongings and the liability of the rental property owner. Many property managers require proof of Renters Insurance from tenants, but even if yours leaves it optional, it’s still a good idea.
Either way, there are various types of Renters Insurance policies as well as various levels of coverage, so you’ll want to become familiar with the options before you choose a policy — or update the one you have. [Read more…]
Often the Holiday season brings an exceptional gift for that special someone in your life. Perhaps you will purchase a new piece of jewelry or a fancy watch. Maybe even that set of golf clubs your husband has had his eye on all year. Or that diamond engagement ring you have been eyeing up for her. Whatever it is, when you purchase that special gift, you never think of the possibility of it getting lost, or worse yet, having someone steal it. [Read more…]
Believe it or not, we insurance agencies don’t look into a crystal ball or roll a series of dice in order to determine your auto insurance premium! Here at Nicholas Insurance, we want to help take some of the mystery out of the premium determination process and help you learn how you can do everything in your power to strive for obtaining the lowest premium possible — if that’s something that’s important to you. Of course, some factors such as age cannot be changed at will, but others are largely affected by choices you make. [Read more…]
Travel in general — and holiday travel, in particular — presents some unique opportunity for thieves. If you know what they’re looking for, you can reduce your chances of being targeted. The last thing you want to think about on a pleasure trip is the possibility of being robbed, but trust us: you’d much prefer to consider it now, rather than after it happens to you. [Read more…]
Like it or not, none of us can prevent emergency situations; the best we can do is to prepare for them. Somewhere, there’s a balance between being prepared and fretting about the many “what if” scenarios in life, and that line can be difficult to find. When we do face emergency situations — whether they come in the form of natural disasters, accidents, or medical emergencies — we’ll all be more likely to move past the initial tendency to panic if we have a plan in place. [Read more…]
Tis the Season…
The holiday season brings many wonderful things like lights, Christmas trees and snow. And for some of us, with snow comes the ultimate opportunity for adventure. The snowmobile! Nothing beats cruising through fresh powder on your snowmobile… until something unexpected happens. [Read more…]