Winter Weather Insurance: What’s Covered and What’s Not

Winter weather causes about $26,000 in damages to homes each year. Here are some examples of what your homeowners insurance will cover if you have winter weather damage: Wind storm damage like peeled roof shingles Structure damage from fallen trees (even if it’s your neighbor’s tree that falls onto your home or property) Water damage […]

Don’t Forget Your College Student’s Insurance Needs

With the start of the fall semester at colleges and universities in a few weeks, don’t forget to update your insurance needs so you and your child have the necessary coverage. For college students living in dorms, most homeowners policies will cover personal belongings up to a certain percentage (usually 10 percent) of the personal […]

Mayday Mayday

You and your family are enjoying a leisurely Sunday afternoon boating on a large lake when flames suddenly appear in the engine compartment. Your teenage son grabs a bucket and begins hauling water out of the lake to throw on to the fire. Tell him to STOP! Water should never be used on a chemical […]

Insurance May Save Your Holiday Travel Plans

If you have booked a vacation for the holidays, travel insurance can help minimize the financial burden if something goes wrong.

Some of the differences between collision and comprehensive insurance

Collision and comprehensive insurance are two important types of car insurance to understand. While collision and comprehensive coverages are similar and often sold together, they do not cover the same problems.

Just because you have flood insurance doesn’t mean you’re protected completely

Federal flood insurance, available through the National Flood Insurance Program (NFIP), can be purchased to insure structures and contents; however, coverage for each is purchased separately. Single family residences are eligible for $250,000 in coverage; this consists of the emergency program’s first layer of $35,000, and a second layer of $215,000. Small businesses are eligible […]

Did You Know?

Check out these statistics about vehicles: Each year, 712,006 vehicles are reported stolen. Each year, vehicle thefts results in $1.255 billion in stolen personal items and accessories. Each year, 250,000 vehicles are damaged by hail in the U.S. Each year, there are 204,722 highway vehicle fires in the U.S. causing $1.2 billion in damages. Americans […]

Protecting Your Home-Based Business

More than half of America’s businesses are home-based, according to the U.S. Small Business Administration. But be aware that setting up your headquarters in your home doesn’t mean your homeowners insurance will protect your business.

A common question about homeowners insurance

Here at E. R. Munro and Company, our clients often ask us the best questions. Here’s one such question that may be helpful for all homeowners:

If you own a dog you need to bone up on dog bite liability

E. R. Munro and Company is pleased to bring you this article from the Insurance Information Institute. Almost 90 million dogs are owned as pets in the United States according to a 2017-2018 survey by the American Pet Products Association. And according to the Centers for Disease Control and Prevention, about 4.5 million people are […]