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Why do I need so much insurance
Why is my homeowners premium so high
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My Blog

Why do I need so much insurance

Tree Trimming

Why do you need to keep trees trimmed and healthy?
This is a regular part of home maintenance that can make a big difference in not only the appearance of your home but also the safety and avoidance of future problems.

Yesterday, I had my long time customer,
 http://grossepointetreeservice.com  inspect and trim the trees on my property.  

I knew this was important to the upkeep and insurability of my home.  I asked the owner Tom for a list of reasons WHY I should keep trees trim and healthy.

Tree Trimming

Why do you need to keep trees trimmed and healthy?
This is a regular part of home maintenance that can make a big difference in not only the appearance of your home but also the safety and avoidance of future problems.

Yesterday, I had my long time customer, http://grossepointetreeservice.com,  inspect and trim the trees on my property.  

I knew this was important to the upkeep and insurability of my home.  I asked the owner Tom for a list of reasonsWHYI should keep trees trim and healthy.

Business Insurance

 
Why you should review your Insurance.
 
There are many good reasons to do a thorough insurancereview every year.
 
This is an ever changing marketplace, we move, expand,offer new products or services, hire employees.
 
Insurance coverages, your needs and company appetiteschange too. New endorsements and product offerings are happening all the time.
 
Do you have the most up-to-date, and comprehensivecoverage being offered?
 
Inflation, business expenses, Reconstruction costs aresome factors that affect the amount and type of coverage you need.

Collectibles

Christmas is a great time to think about traditions, family, and those we love.
Many of us have Christmas collectibles, Family Heirlooms and the like that are priceless to us.
Have you thought about whether these are covered on your homeowners Insurance.
I remember a sweet lady to went to add to her precious moments Christmas ornaments and found out her personal collection was worth almost $100,000.  She just liked the ornaments.
These and many things in your home need extra coverages to adequately protect them.

School Dropoff

School Dropoff ?  You may not be covered!
 
Taking my grandson to school this morning I saw a van pull up with a logo that said they were a school shuttle service.
 
Nice service for busy or working parents.
 
With charter schools and school of choice programs, I am sure this is a growing market.
 
The Insurance Agent in me, thought nice, I wonder if they are insured properly?
 
What do I mean? Well many times I find that you either did not tell your agent, the many uses of your vehicles or maybe they didn't ask on know how to advise you.

A Homeowners Quote in the Mail

A Quote in the Mail
Many of us (I did!) have received homeowners quotes in the mail that look "to good to be true".
 
If that quote is based on the Market Value or Purchase Price of your home, the better expression would be "Buyer Beware".
 
Why do you need to purchaseReplacement Cost or Reconstruction Coston your dwelling?
 
Let's take a look and see.
 
Rebuilding Is Different Than Buying
The cost to buy a home is different than the cost to rebuild. So you can’t rely on your home’s market value to set your insurance limits.
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