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Thursday, October 14, 2021

10 Ways to Keep the Ghost of COVID-19 from Killing Your Halloween Spirit

 By Catherine Powell

     With Halloween just around the corner, I thought I’d take the time to cover ten ways you can keep you and yours safe while trick or treating.  While Halloween is supposed to be scary, the advent of COVID-19 has made the holiday more frightening than usual.  Since no children below the age of 12 have been inoculated, and not all older kids and adults have either, this year’s Halloween events need to be scrutinized like never before.  

Thursday, October 7, 2021

What You Need to Know Before You Host Your Next House Party

By Catherine Powell

Image courtesy Pixabay

After being held in limbo due to Covid-19 for better than a year and a half, many homeowners are considering hosting parties this holiday season.  With Halloween, Thanksgiving and Christmas just around the corner, I thought I’d take the time to clue you into the potential liability issues you need to understand before you host your next house party.

Wednesday, September 29, 2021

Is There a Self-Driving Car in Your Future?

By Catherine Powell

Image courtesy wikimedia

Love them or hate them, self-driving cars are coming to a highway near you.  In fact, some of the cars we drive today already come equipped with automated driving assistance that does everything from adjusting a vehicle’s speed, to keeping our vehicle in its lane, to automatically parking a vehicle hands-free. As driving technology continues to progress, drivers will see more and more of the driving task being given over to computer control.  So, if you’ve been losing sleep by worrying about the inevitability of self-driving cars, this week’s blog is for you.

Wednesday, September 22, 2021

Are You Covered if Your Dog Bites Someone?

By Catherine Powell

Image courtesy Pixabay

Being a dog owner myself, I’m always ready to field questions about whether a dog bite is a covered claim on homeowner’s insurance.  Face it, any dog can bite, whether it’s a pit bull or a chihuahua.  If a dog feels its territory has been violated or if it senses fear or aggression on the part of a stranger, there’s always the potential for a bite to occur.  Depending on the severity of the attack and the breed of dog involved, a dog bite can come back to bite the owner if the victim decides to take the matter to court.  While it’s true that the personal liability and medical coverage contained in your homeowner’s policy can potentially pay for medical and legal expenses were your dog to bite someone, the fact is not all dog bites are a covered claim. The only way to know whether you’re covered is to either read your homeowner’s policy carefully or talk to your agent to find out for sure.  The four factors to be most concerned with are coverage, limits, location, and exclusions.

Thursday, September 16, 2021

10 Most Common Homeowner’s Insurance Claims

By Catherine Powell

Image courtesy Pixabay

If you own a home, you probably have homeowner’s insurance.  That’s because you need to protect one of the biggest investments you’ll ever make.  While owning a home has its benefits, if storm, fire, or flood happens to hit your home, you could suddenly find yourself in dire straits.  That’s where homeowner’s insurance comes in handy to help you weather the storm and make your property whole again.  If you were wondering which homeowner’s insurance claims are the most common, here are the top-10.

Tuesday, September 7, 2021

How Does FEMA Help When Disaster Strikes?

 By Catherine Powell

Image courtesy Pixabay

If you’ve been reading the newsfeeds for the past few days, you’ve probably been following the trail of destruction that Hurricane IDA and the western wildfires have caused.  Being that all of us who live in Florida have had to deal with both these scenarios in the past couple decades, you might wonder if your home takes a direct hit, how much help can you expect from the federal government.  Below are some of the things I discovered about the Federal Emergency Management Agency, better known as FEMA.

Wednesday, August 25, 2021

How Much Personal Property Coverage Do You Need?

 By Catherine Powell

Image courtesy Pixabay

I just finished reading a newsfeed about a man in Tennessee who returned from work only to find that his home had washed away when 17-inches of rain fell in 24-hours.  The only good thing was that he wasn’t inside his home when the flood destroyed it.  I can only hope he had sufficient insurance to cover the loss of his property and belongings.  With that in mind, I thought I’d dedicate this week’s blog to helping everyone determine how much personal property coverage they need. 

10 Ways to Keep the Ghost of COVID-19 from Killing Your Halloween Spirit

  By Catherine Powell        With Halloween just around the corner, I thought I’d take the time to cover ten ways you can keep you and you...