The holiday season is filled with fun, parties, food, gifts, overeating and unfortunately some risk. One of the fasted growing risks for many people are stolen packages by porch pirates.  According to proopertycasualtiy360, over 26 million packages are stolen during the holiday season.  Need more bad news?

Your homeowners or renter’s insurance generally may not cover this loss as it tends to be under your deductible.  There could be coverage if you have personal property off premises insurance.  Also for theft coverage to apply generally, you need proof of loss by a broker indoor, etc.
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Call our office for a review of your homeowner’s insurance, as each policy is unique to your circumstances.
Things To Do

• Delivery confirmation is a good way to prove the package was delivered.
• Thieves will follow delivery trucks, waiting for the perfect target.
• These thieves commonly strike during working hours as many homes are empty at that time.
• You can insure your packages.
• Consider having a person there when the delivery is scheduled.
• Install a security camera.

What To Do If A Package Is Stolen

• Track your package. Check the delivery confirmation and tracking number.
• Make sure a neighbor did not pick it up for you.
• Contact the seller.  Different retailers have different policies and processes for handling stolen items, but usually, you are entitled to a refund or a replacement item.
• File a claim with the shipping company.
• Check your Credit Cards for Purchase Protection.

According to insurance experts, here are the top five business risks. The Allianz Risk Barometer surveyed more than 500 managers and corporate insurance experts in 47 countries, to identify the primary challenges facing businesses this year.1 
While these are responses from large corporations, we take away many applications for medium and small businesses. Here are some of the risk issues for 2020.

1. Natural Disasters – These issues are always a concern for small and medium business. We can offer flood, earthquake and wind insurance as your needs arise.
2. Cyber Liability- Cyber liability and data theft is one of the hottest topics for businesses, risk managers and insurance companies. 2019 had some of the biggest data thefts that we have seen. But even more interesting, is that small businesses are exposed more than large businesses. In fact, 25% of data breaches affect businesses with less than 50 employees. A small business has a greater chance of having a cyber breach than it does of having a fire.
3. Government mandates and regulations - There continues to be increased oversight from government in healthcare and financial reporting that creates new risk and liability for businesses.
4. Political and Civil Issues - As seen in 2020, political and civil issues have a direct impact on many small businesses. Having the right kind of business insurance is important to protect your business in the event of civil riots.
5. Business Interruption - If your business has a loss and you are unable to operate for a period of time, you will need financial resources in order to get back in operation. You may even need to continue payroll for a period of time. Business interruption insurance can provide these resources.

We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible. 

All of us value the long term relationship with our clients, and are proud to give families, individuals and businesses the personal attention required when it matters most. When claims arise, we realize that it can be very stressful and will do everything possible to assure timely and complete recovery.
 
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​Homeowner’s Insurance Countdown
There are many factors that go into determining your homeowner’s insurance premiums. We thought it might be fun to address our “top ten list” of things every homeowner should know before purchasing insurance. Remember, as your agent we can help you identify the best possible combination of coverage, price and service.

• You are a statistic. To an insurer, you are a set of risks. An insurer bases its premium (or its decision to insure you at all) on your "risk factors" including your occupation, who you are, what you own, and where you live. To us, you are a person and we value our relationship with you.
• Know your home's value. Before you buy a policy, it is important to know your home's replacement cost.
• Insurers differ. As with anything else you buy, what seems to be the same product can be priced differently by different companies. You can save money by comparison shopping.
• Don't just look at price. A low price is no bargain if you don’t have the right coverage.
• Go beyond the basics. A basic homeowner’s policy may not promise to entirely replace your home.
• Look for discounts. Insurers provide discounts to reward behavior that reduces risk.
• Be sure that you have the proper documentation if you have a claim. Your idea of fair compensation may not match that of your insurer. Your insurer's job is to restore you financially. Your job is to prove your losses so you get what you need.
• Know your policy. Keep your policy updated, and reread it before you file a claim so there are no surprises.
• Check your deductibles. It may benefit you to increase your deductible, especially if you have a good claims experience.
• Your policy excludes Quake and Flood. Check with us and we will provide you with a quote.

Many homeowners have experienced premium increases. Our agency works very hard to bring our clients the best possible combination of premiums, coverage and service.
What Can We Do To Help?
We are an independent agency.  This allows us to search the market for the best possible combination of premiums, coverage and service. We compare insurance company’s rates and use the competitive market to your advantage. Here are some ways to save on your premiums: