Thursday, November 5, 2015
When discussing insured value and how a boat insurance policy will pay, most people think about a total loss. This is important but the majority of claims are partial losses. Depending on how your policy responds could cost you several thousand dollars above your deductible.
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Thursday, November 5, 2015
What is Excess Liability or Umbrella Liability Coverage ?
Available in amounts ranging from one to five million dollars, excess liability coverage increases your personal liability limits by adding protection to your current auto, boat or homeowners policies. READ MORE >>
Thursday, November 5, 2015
In the event of a total loss, your boat insurance policy may pay you based on the Agreed Value, Actual Cash Value or the Replacement Cost Value. In explaining how these three policy forms are different, I will use a three-year-old boat, insured for $40,000 which was destroyed by fire.
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Tuesday, November 3, 2015
The Lack of a Third Nail could cause your Homeowners Premiums to increase without warning!
Due to changes in the 2012 Florida Wind Mitigation form (OIR-B1-1802. Rev. 01/12), Homeowners insurance windstorm premium credits for homes having clips or straps with less than Three Nails for the roof truss to wall connection is not allowed. READ MORE >>
Monday, October 26, 2015
If you find that you have agitated another driver, whether the fault is truly yours or not, don’t react to or retaliate against the other driver on the road, according to SafeMotorist.com. Engaging with the other driver will only cause the situation to escalate. READ MORE >>
Wednesday, October 7, 2015
Have you got a dog? Do you know if your Homeowner’s Insurance company will cover a dog bite incident? You should. Take a look at the article link below. It may surprise you. Need more answers. Need Animal Liability Coverage? Call SWFL Insurance Agency, we have the answers 239-265-9577. READ MORE >>
Friday, September 25, 2015
Claimant, age 2, was on the Insured’s property with his grandparents who were there to care for 2 horses owned by the Insured. The Insured were out of town on vacation. The Claimant was kicked by one of the horses, taken to the emergency room, and then life flighted to a larger hospital.
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Friday, September 25, 2015
The Claimant and Insured have been longtime friends, live on the same street, and the Claimant had been to the Insured’s home on many occasions. The Insured lives in a home with a brick patio which had been constructed in the 1960s. Bricks were replaced one year before the incident. READ MORE >>
Friday, September 25, 2015
The Insured’s 18 year old son was driving the Insured’s car on a short trip to the store with his girlfriend, the Claimant. The car left the roadway and struck a tree. The Insured’s son told the police that a vehicle cut him off, but there were no witnesses and no evidence of any impact with another car. READ MORE >>
Wednesday, September 23, 2015
What Should Brokers/Agents Do To Protect Themselves From Liability?
1. The Brokerage can restrict their agents’ activities to those defined by the listing contract. The typical listing contract does not contain language that would obligate the listing agent to “oversee the property”, “close u... READ MORE >>
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