Skip to content

Homeowners

Reduce the Chances of Dog Biting

With dog bite claims accounting for over one-third of all homeowners insurance liability claim dollars in 2011, we remind dog owners to take preventative measures to protect themselves from the potentially serious financial consequences of aggressive canine behavior. • Consult with a professional (e.g., veterinarian, animal behaviorist, or responsible breeder) to learn about suitable breeds of dogs for the insured’s household and neighborhood. • Spend time with a dog before buying or adopting it. Use caution when bringing a dog into a home with an infant or toddler. A dog with a history of aggression is inappropriate in a household… Read More »Reduce the Chances of Dog Biting

Common Cause of Fire – Laundry

An estimated 2,900 clothes dryer fires in residential buildings are reported to U.S. fire departments each year and cause an estimated $35 million in property losses, according to a new government report. The report by the U.S. Fire Administration said that 84% of clothes dryer fires took place in residential buildings. Also, according to the report:   Clothes dryer fire incidence in residential buildings was higher in the fall and winter months, peaking in January at 11 percent.   Failure to clean (34 percent) was the leading factor contributing to the ignition of clothes dryer fires in residential buildings.  … Read More »Common Cause of Fire – Laundry

Earthquake Deductible Buyback in California

A few facts about earthquake insurance: Fact I:  Most residential insurance policies do not cover earthquake damage – a separate earthquake policy is required. Without earthquake insurance to help you cover the costs of repairs and other expenses that come with catastrophic damage, you will pay out-of-pocket to fix your home, to replace your personal property, and to live and eat elsewhere. Fact II:  Most earthquake insurance policies feature a high deductible, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged. Rates depend on location and the… Read More »Earthquake Deductible Buyback in California

Home Foreclosure Prevention Program in R.I.

Only about one-third of the more than $79 million available from a federal foreclosure prevention program in Rhode Island has been spent to help struggling homeowners. Some states have spent a far lower percentage of their Hardest Hit Fund allocations than Rhode Island. Andrea Risotto, a Treasury Department spokeswoman, said that as of the end of May, states had drawn almost $1 billion from the $7.6 billion available to help homeowners make their mortgage payments. As of the end of last month, about $650 million of the total — or about 9 percent — had actually been spent, she said,… Read More »Home Foreclosure Prevention Program in R.I.

Top 10 States for State Farm Dog Bite Claims in 2011

State Number of claims Claims paid (estimated) 1. California 527 $20.3 million 2. Illinois 309 $10.0 million 3. Texas 219 $5.1 million 4. Ohio 215 $5.4 million 5. Pennsylvania 197 $4.9 million 6. Michigan 181 $7.0 million 7. Florida 157 $5.1 million 8. Indiana 139 $3.5 million 9. New York 133 $6.1 million 10. Minnesota 117 $3.5 million Want to get a quote for your Homeowners’ Insurance? Visit our website or call 877-239-0067.

Paranormal Activity Insurance Coverage

One of the biggest stories in Toms River, N.J., in recent weeks involved an alleged haunted house in the neighborhood. According to local reports, M. and her fiance J. had moved into a home in Toms River in March and soon began to experience a range of paranormal activities. As a news report from ABC News shows, the distressed couple allegedly endured living room lights that turn on by themselves, a vase that falls over when no one is watching, a feeling of being tapped on the shoulder when no one is around, and a raspy voice that whispers, “Let… Read More »Paranormal Activity Insurance Coverage

Risk Transfer: Managing 3rd Party Relationships

Introduction: Case Scenarios – A painter’s scaffold collapses resulting in severe injury to the painter and a pedestrian. The painter had no insurance. The building owner is held liable for all losses. – A cabinet installer puts a long screw into a wall. It punctures a water pipe causing water damage. The installer’s insurance policy was not renewed. The homeowner’s insurance company sues and recovers the damages from the cabinet retailer who recommended the installer. – A small motor manufacturer, to get the business of a big new customer, agrees to sign a contract which the customer requires of all… Read More »Risk Transfer: Managing 3rd Party Relationships

Renters Insurance Quotes

Protect your belongings for as little as 57 cents a day Chances are your landlord’s insurance won’t cover your personal property if there’s a fire or break-in. By getting renters insurance for as little as $0.57/day, you can protect your belongings and help make sure you can replace them if something happens. When you get renters insurance through Paperless Insurance Services, you’ll be able to: ► Save time — you’ll receive instant multiple quotes within minutes. ► Find affordable rates — choose from several options (coverage and carriers) ► Buy easily — purchase online or over the phone. ► Save even… Read More »Renters Insurance Quotes

Texting While Driving Now Banned in Idaho

At least 35 states and Washington, D.C., ban text messaging by drivers, but efforts to toughen the law in Idaho has struggled to gain traction in recent years.  After several tries and frustrating setbacks, Idaho is set to join the majority of states that have toughened laws against sending text messages while driving. House lawmakers voted 53-17 Tuesday to bar motorists from using smartphones and other hand-held devices to review, prepare or send written communications. Rep. Julie Ellsworth, R-Boise, pushed the plan, saying a strong message from state leaders is needed to curb the deadly and growing habit.

Paperless Insurance Now Offers Coverage in New York

SAN FRANCISCO-based independent insurance brokerage Paperless Insurance Services (PIS INC), Inc. has started offering business insurance products in the State of New York, PIS INC announced Thursday. PIS INC will be using their website as the marketing and underwriting base in the State if New York CFO Diana Motseniat said in her announcement. Paperless Insurance also announced that it is in the process of starting operations in the State of Texas. “Starting operations in New York is vital to the continued expansion of our U.S. platform to complement our strong position and build a truly unified small business insurance platform,”… Read More »Paperless Insurance Now Offers Coverage in New York

Call us · (877) 239-0067