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How Do I Save Water-Damaged Property?

Be Safe, Then Act Quickly Different sources such as salvage experts, property specialists and government agencies advise that quick action is critical. Many types of personal property can be saved if rescue attempts occur within 48 hours of the property…

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What If I Run An In-Home Business?

Homeowner policies aren’t designed to insure in-home businesses. Homeowner premiums assume that the insurance protection is for a residence and related structures. Therefore no liability coverage is available for loss related to business activity such as: customers who slip and…

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Is Your Home Winter Ready?

If you live in a climate that includes a cold winter season, you probably know that winter creates special challenges for homeowners. Regardless of the amount and types of insurance you carry, it makes more sense to avoid a loss…

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Who Cares About Attractive Nuisances?

What Is An Attractive Nuisance? This is a term originated by a judge to describe property that attracts youngsters and, because of their dangerous nature, creates a special obligation to property owners. Examples are: Swimming pools Trampolines Empty buildings Appliances…

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What If My Home Is Vacant Or Unoccupied?

Vacant Or Unoccupied? First, there IS a difference. Webster's Encyclopedic Unabridged Dictionary of the English Language has the following to say: Unoccupied: without occupants, but not devoid of furniture or other furnishings. Vacant: having no tenant or contents; empty, void.…

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Are These Tragedies Insurable?

Headlines Hit Home Many Americans have been horrified and confused over the shootings which have occurred in schools nationwide the past several years, and the Columbine High School tragedy has been of particular concern. After having these events splashed over…

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Special Form vs. Named Peril

You should check your homeowners policy to make sure that your building and personal property is covered on a special form rather than a named peril basis. Named peril means that the policy insures against the sources of loss (perils)…

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