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 […]

Gun Ownership and Homeowners Insurance

Homeowner policies cover many types of liability claims that may include gun-related accidents. The term “accident” is key. Under a traditional homeowners policy, there is no specific gun-related exclusion. There is, however, an “expected or intended injury” exclusion, which contains an exception for “use of reasonable force by an insured to protect persons or property.” […]

Is your home office covered by your homeowners insurance?

Are you an entrepreneur running a home-based business? Do you sell products out of your home? If so, you should look into your homeowners policy to avoid coverage gaps.

High Tech Vehicles May Help Thieves

An excerpt from an article written by Maxine Reiman for Newsmax on “While Cars Get Smarter, Some Tech May Be Aiding Thieves, published January 5, 2018: Auto manufacturers are increasingly using smart technology to make cars safer to drive and easier to lock and unlock, and even to drive themselves. The trend is predicted to […]