Category Archives: Personal Lines

Uptick in homeowners “telematics” raises serious privacy concerns

Thanks to our friends at Insurance Business America –     Author: Caitlin Bronson – October 20, 2015 | A decade ago, telematics devices revolutionized a significant portion of the auto insurance industry. Today, the usage-based insurance model is coming to homeowners policies, and raising serious questions about privacy along the way. In the past year,… Read More »

Does Homeowner’s Insurance Cover Damage From Falling Trees & Limbs?

Author: Todd Duvall, Demand Media  | According to the Insurance Information Institute, typical homeowners insurance covers tree-related damage. Let’s say a falling tree branch crashes through your roof during a storm, causing not only damage to your roof, but to the room below that was saturated with rain water.  As long as your home is insured,… Read More »

Homeowner’s Policy Host Liquor Liability Coverage, On & Off Premises Events

Author:  The State of Ohio PIA (Professional Insurance Agents)  | Editorial comments are enclosed within the [ ] brackets. The Homeowners Personal Liability insuring agreement [Section II] says the insurance company will “pay up to our limit for damage for which an ‘insured’ is legally liable; and provide a [legal] defense.” [In addition to the… Read More »

The Big “I” and Trusted Choice® provide the following tips for holiday hosts and guests.

Author: Independent Insurance Agent’s of America “Big-I” & Trusted Choice  | [Editorial Note: This material applies to any home event where liquor is hosted.  Off-Premises events will be dealt with in a later post.] The Trusted Choice® survey found that about one-third of homeowners did not think or did not know if they could be… Read More »

FEMA announces substantial changes to flood insurance [Again!]

From Insurance Business America:     Author: Caitlin Bronson – December 8, 2014  |  Insurance agents working with victims of 2012’s Superstorm Sandy may have reason to celebrate this week. Faced with continued pressure from Sandy victims and their advocates, the Federal Emergency Management Agency announced a number of significant reforms to the National Flood Insurance Program… Read More »