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Many people choose to exercise at workout facilities such as gyms, recreation centers, and health clubs. In 2016, the total number of gym memberships in the U.S. was 57.25 million in over 36,000 facilities. While the increased physical activity is a good thing, people often overlook the dangers found at such facilities. READ MORE >>

Ask any small business owner what is the most frustrating part of dealing with insurance. Most will say “certificates of insurance.” Now, ask any insurance agent or account manager what is the most frustrating part of their day. Most will say “certificates of insurance.” READ MORE >>

One thing I’ve learned over the years is there are several common misconceptions regarding personal umbrella insurance policies. In some cases, people who have one think it provides a blanket limit of protection but are often unclear as to how it really works. READ MORE >>

If you live in a 100-year floodplain and have a mortgage, you don’t have to wonder if you need flood insurance – it’s required as a condition of your loan. If flood insurance is not required as a condition of your mortgage, you’re not obligated to carry it. READ MORE >>

The summer storm season is upon us and with storms come one of the most fearful and unpredictable forces of nature: lightning. A single bolt of lightning can carry over 100 million volts of electricity and create a significant amount of damage to your home and personal property. READ MORE >>

Windstorms, hurricanes, tornadoes, and wildfires are just a few examples of extreme weather events that occur throughout the United States on a regular basis. It is often difficult for even the experts to predict the impact and severity of these events. READ MORE >>

It’s next to impossible to watch any type of TV programming without seeing a commercial advertising how you can save money on your insurance. So should you really purchase your insurance policy based upon the cheapest price? Before I elaborate on this, allow me to ask you a different set of questions: READ MORE >>

If you drive a vehicle, you are required by law to have insurance. But why do we need it? Consider hitting a car and injuring three passengers. If both your vehicle and the other vehicle are valued at $20,000 and considered total losses, and each passenger has medical claims of $20,000, this quickly adds up to $100,000! READ MORE >>

Your homeowners property insurance policy covers not only your home, but also your personal property anywhere in the world. As long as you have an active policy and damage to your personal property is the result of a covered cause of loss listed in the policy, you’ll have coverage (there may be some conditions and exclusions set forth in the policy that apply). READ MORE >>

Fire is the most expensive cause of homeowner insurance claims, accounting for nearly a quarter of total costs, according to a recent study from Travelers. The Insurance Information Institute reports that the average fire claim cost was $39,791 in 2010-2014. READ MORE >>

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