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Associated Insurance Services LLC Blog: 4_2013

View the latest blog posts from Associated Insurance Services LLC.

Salvage is the right but not an obligation for the insurance comapny.  In total loss situations, if there is some value in the materials of the destroyed property, the insurer can exercise its right to salvage. READ MORE >>

What’s covered, what's not? Homeowners policy provides coverage for water that backs up through sewers or drains as long as it originates on premises. As the bullet points below show, the optional endorsement expands the coverage to provide better protection. Please talk to us to make sure you are properly protected. READ MORE >>

The Importance of Renters Insurance If you live in a rental home or apartment, chances are you don’t have the proper insurance. Despite the fact that rented homes are more likely to be burglarized than owner-occupied properties, nearly 60 percent of renters don’t have a renters policy. READ MORE >>

A certificate of insurance is not a contract of insurance, but simply evidence that a contract exists.   READ MORE >>

Every person has an insurable interest in his/her own life and health and his/her own property.  This is why individuals can buy life and health  insurance for themselves or family members and property and casualty insurance to protect their homes, automobiles and personal assets. READ MORE >>

To understand what insurance is and how it works, you must first understand the concept of risk.  RISK is the chance or uncertainty of loss. Risk is not the loss itself, but the uncertainty that a loss might occur.  Some losses of value, such as those resulting from wear and tear on a physical object, are certain to occur eventually. READ MORE >>

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