How Does the NFIP Define A Flood?
How Does the NFIP Define A Flood? Do you live in a coastal community? Many people move to the Tri-State area because they want to live by the water. When moving to the coast, it sometimes creates unexpected new insurance concerns. Not only do many residents have to purchase homeowner’s [...]
Case Study: Family with Direct Insurance Carrier
Case Study: Successful family with a direct insurance carrier. CLIENT “A” Client “A” is a highly successful, professional, two-income family of four who initially had a direct insurance carrier. Both between 45-50 years old. He a surgeon and she an attorney. Their approximate net worth was in excess of $10M [...]
Designated Flood Zones and Homes For Sale
My client is ready to make an offer on a new home, but do I know the home's designated flood zone? Great question! Homebuyers need to take into consideration the accurate flood zone of a home when making their offer. Because it is so important, real estate professionals should confirm [...]
Under Insured Motorist and Cyclists
Are you a cyclist? Have you thought about the repercussions of being hit by an under insured driver? Do you understand uninsured/under insured motorist insurance coverage? No one wants to discuss death or serious injury. Unfortunately, if you ride a bike, you need to plan for a potential disaster. Distracted [...]
Insurance in the YouTuber Universe
Insurance in the YouTuber Universe Thomas Ayres, CPIA Digital video influencers have totally changed the way information is delivered and received in our society. The draw to become a YouTube influencer (and hopes of making millions) has overtaken the lives of our nation's youth. If you have children with iPods, [...]
Protecting Assets with Property and Casualty
Protecting Your Assets with Property and Casualty Insurance In the life of someone with a substantial net worth, there is a point when protecting the assets you have already attained supersedes the acquisition of new ones. The primary way to do this is by ensuring adequate coverage is in place [...]
Auto Insurance For Your Au Pair
Auto Insurance when you have an Au Pair Auto Insurance for Your Au Pair The idea of having a young person, that isn’t family, drive your car and your children around can be scary. That being said, some families determine that it is a necessity. When both parents [...]
Lay-Up Period in Boat Insurance
Lay-up Periods in Boat Insurance What is a lay-up period? Lay-up refers to the time period that a boat is not being used. In the Northeast, most insurance carriers have a lay-up from November to April. Depending on the size of your boat, your lay-up period will require pulling your [...]
What Happens if I Have a Gap in Car Insurance?
What happens if I have a gap in car insurance? We received a call last week from a prospective client and they are insured with a direct insurance carrier and they were explaining that they had a gap in car insurance coverage due to non-payment/late payment over the summer. This [...]
Fraud SafeGuard
Fraud SafeGuard Home Insurance, it’s all the same right? Just go for the cheapest policy and hope for the best. That’s what we used to hear from clients. Then through educations, we have been able to show clients the difference in insurance carriers. Who Falls for Fraud: Remember Fyre Festival [...]
Builders Risk for House Flippers
Builders Risk for House Flippers Many property owners turned house flippers are under the impression that a homeowner’s insurance policy will provide all the coverage they need for the remodeling they plan to do. Planned renovations may be minor (replacing flooring and cabinets) or major (moving a load-bearing wall or [...]
Everyone Lives in a Flood Zone
Everyone Lives in a Flood Zone Everyone lives in a flood zone. Yes, you read that right. One of the most common myths about floods is that if you don’t live near water, you’re not at risk. The truth, however, is that you don’t need to live in [...]
How Does the NFIP Define A Flood?
How Does the NFIP Define A Flood? Do you live in a coastal community? Many people move to the Tri-State area because they want to live by the water. When moving to the coast, it sometimes creates unexpected new insurance concerns. Not only do many residents have to purchase homeowner’s [...]
Case Study: Family with Direct Insurance Carrier
Case Study: Successful family with a direct insurance carrier. CLIENT “A” Client “A” is a highly successful, professional, two-income family of four who initially had a direct insurance carrier. Both between 45-50 years old. He a surgeon and she an attorney. Their approximate net worth was in excess of $10M [...]
Designated Flood Zones and Homes For Sale
My client is ready to make an offer on a new home, but do I know the home's designated flood zone? Great question! Homebuyers need to take into consideration the accurate flood zone of a home when making their offer. Because it is so important, real estate professionals should confirm [...]
Under Insured Motorist and Cyclists
Are you a cyclist? Have you thought about the repercussions of being hit by an under insured driver? Do you understand uninsured/under insured motorist insurance coverage? No one wants to discuss death or serious injury. Unfortunately, if you ride a bike, you need to plan for a potential disaster. Distracted [...]
Insurance in the YouTuber Universe
Insurance in the YouTuber Universe Thomas Ayres, CPIA Digital video influencers have totally changed the way information is delivered and received in our society. The draw to become a YouTube influencer (and hopes of making millions) has overtaken the lives of our nation's youth. If you have children with iPods, [...]
Protecting Assets with Property and Casualty
Protecting Your Assets with Property and Casualty Insurance In the life of someone with a substantial net worth, there is a point when protecting the assets you have already attained supersedes the acquisition of new ones. The primary way to do this is by ensuring adequate coverage is in place [...]
Auto Insurance For Your Au Pair
Auto Insurance when you have an Au Pair Auto Insurance for Your Au Pair The idea of having a young person, that isn’t family, drive your car and your children around can be scary. That being said, some families determine that it is a necessity. When both parents [...]
Lay-Up Period in Boat Insurance
Lay-up Periods in Boat Insurance What is a lay-up period? Lay-up refers to the time period that a boat is not being used. In the Northeast, most insurance carriers have a lay-up from November to April. Depending on the size of your boat, your lay-up period will require pulling your [...]
What Happens if I Have a Gap in Car Insurance?
What happens if I have a gap in car insurance? We received a call last week from a prospective client and they are insured with a direct insurance carrier and they were explaining that they had a gap in car insurance coverage due to non-payment/late payment over the summer. This [...]
Fraud SafeGuard
Fraud SafeGuard Home Insurance, it’s all the same right? Just go for the cheapest policy and hope for the best. That’s what we used to hear from clients. Then through educations, we have been able to show clients the difference in insurance carriers. Who Falls for Fraud: Remember Fyre Festival [...]
Builders Risk for House Flippers
Builders Risk for House Flippers Many property owners turned house flippers are under the impression that a homeowner’s insurance policy will provide all the coverage they need for the remodeling they plan to do. Planned renovations may be minor (replacing flooring and cabinets) or major (moving a load-bearing wall or [...]
Everyone Lives in a Flood Zone
Everyone Lives in a Flood Zone Everyone lives in a flood zone. Yes, you read that right. One of the most common myths about floods is that if you don’t live near water, you’re not at risk. The truth, however, is that you don’t need to live in [...]