Entries by Tosten

Three Things To Keep In Mind When Hosting Your Holiday Party

There are many factors that go into hosting a great holiday party. Whether it’s prepping your family’s homemade, traditional recipes, cleaning your home for guests or decorating for the perfect holiday festivity, hosting a party is a lot of work! At the same time, it can be fun & your guests may look forward to […]

Benefits of Bundling Your Insurance Policies

“Bundle your home and auto & save!” “Save by bundling your insurance policies together!” We seem to be inundated with commercials and advertisements telling us to bundle our insurance policies together. What is the reason behind this and is this really a better option for your insurance? Benefits of Bundling Discounts Some of the benefits […]

Do I need special insurance to drive for Uber or Lyft?

Whether you are thinking of starting a new career or simply want to make some extra income during your down time, working for companies like Uber or Lyft can be a good move. However, you will need specific insurance to be fully covered as your personal auto insurance policy and the insurance provided by Rideshare […]

Five Things To Do For Fall Maintenance For Your Home

With winter season approaching, now is the time to do a few simple tasks around your home. Not only can this prevent damage from occurring, but it can help keep your home exterior clean. Instead of giving you a long laundry list of things to check off, we go over the five most important. Is […]

Everything You Should Know About Insurance For First Time Home Buyers

Owning your first home is one of the most exciting and biggest accomplishments in life. It is a memorable time and something to be proud of. With this excitement comes the responsibilities of maintaining and insuring the home. While we can’t help with the maintenance, we can help you understand and properly insure your new […]

Things to Consider For Vacation Property Ownership

Owning a secondary home or vacation property can be a rewarding experience and allow you to build so many memories! While owning a vacation home can have countless advantages, it does bring some unique responsibility and maintenance. Regardless of whether you’re buying a cabin just a few miles away on the lake or an oceanfront […]

Section 1 of a Home Insurance Policy

Some of the most important insurance concepts that can affect you, aren’t commonly discussed, here’s a guide to some of the major issues. Section I odds and ends A couple of final thoughts, as we wrap up section I: Deductibles, Loss Settlement, and Valuation. Since there is much to be said on each of these […]

Coverage B Other Structures

If Coverage A provides insurance coverage for the dwelling and things that are attached to the dwelling, “Coverage B Other Structures” provides insurance coverage for all structures that aren’t connected to the dwelling. In this case “structures” is a complicated way of saying anything that is constructed.  For example, a detached garage (remember an attached garage would […]

Rental Property Insurance Coverage – Section 1 Coverage

Protecting your stuff is why you purchase insurance. The section I coverage of a rental property insurance policy tells you what will be covered and how. Rental Property Insurance Coverage – Section I Coverage Section I – The part of insurance you care about Every insurance policy has sections. On a rental property insurance policy […]

Risk Management

Let’s get real for a second. You are investing in real estate. You need to protect the asset, the cash flow, your business. So you buy insurance, but managing the risks you face is more than just buying an insurance policy. There are several types of risks you face. Some are insurable, some are not, […]