It is important to know that most standard homeowner’s insurance policies do not include flood insurance. If you are a homeowner, business owner, or renter, it is highly recommended that you look into your own flood risk. Flood Risks Floods can happen anywhere and at any time, especially in Rhode Island. Over the past half a dozen years Rhode […]
Transitioning to college life includes a lot of moving of your personal belongings. Good insurance can help by protecting these belongings. In the year 2013, there were about 79,000 cases of property crime incidents on college campuses. Bikes, cars, laptops, jewelry and other valuables are commonly stolen items in college. Without good insurance, these items […]
Filing a claim for your homeowners insurance can be tricky at times. You may not know when you really need to file a claim, or when you should avoid it. While claims have the ability to hike up your premiums, there are some situations in which you should definitely file one. Here are five tips that […]
It is no secret that you and just about everybody else wants to someday purchase their dream home. Unfortunately, this process is not always straight forward and can be very difficult. To make this mission a lot less stressful and more efficient contact Envoy Mortgage. About Envoy Envoy Mortgage has been serving our local Rhode Island […]
Condos are convenient, affordable and productive spaces of living. Living in a condo is like living in a house, without all of the required maintenance. Before you move into either a house or a condo, you should do some research to make sure this is really the right place for you. Here are 5 key […]
Before having fun in the Rhode Island sun this summer, talk to your independent insurance agent about your Rhode Island Homeowners insurance policies so that you can enjoy the activities that summer brings! Pools and Trampolines Pools and trampolines are classic icons of summer fun, however, they can both increase your insurance risk. Ask your […]
One of the most festive things you can do during the holidays is to decorate your home. Everybody loves to look at bright lights, big trees, wreaths and blow-up decorations. A beautiful and colorfully decorated home can bring out anybody’s holiday cheer. It is important to consider your safety when decorating your home. The last thing […]
Secure your trash: Keep all of your food trash in the kitchen, avoid scattering food scraps in trash baskets throughout the house. Upgrade to a trash bin with a tight lid. If you already have one of these, great, if not you should consider getting one. Trash cans with tight lids cut down on the […]
Get an opinion from an independent contractor or multiple estimates. A second opinion usually helps, but especially so when it comes to homeowners insurance. Others may see something significant that you don’t see at first. The first offer you receive may not always be your best offer. Most of the time, the first offer you […]
Frozen pipes can wreak havoc on your home, ruining your holidays and causing a lot of trouble and damage that you’ll have to spend your “Christmas cash” on. This article can help you protect your home against frozen pipes this winter. What Can Happen? A frozen pipe in your home caused by extremely cold weather […]