Beware of Uninsured Contractors!

| Insurance Claims, Insurance education.

When looking for service providers to work on your home or other property, beware of uninsured contractors! One of our customers recently reported a rather scary situation that reinforces the need to hire only licensed, bonded, and insured contractors. An Injured Tree Trimmer A homeowner insurance customer had a young man knock on her front… Read more »

The Importance of Loss Assessment Coverage

| Home Insurance, Homeowners Insurance, Insurance Claims, Loss Assessment Coverage.

When you purchase a home, condo, or townhome with an association you also become an owner in the association and any common areas.  If your community has 100 homes, then you would typically own 1/100th of the association.  Likewise, you are also are responsible for 1/100th of the liabilities of the association.  For example, if a… Read more »

Property Insurance Cause of Loss Form

| Business Insurance, Commercial Property Insurance, Insurance Claims, Insurance education, Landlord Insurance, Uncategorized.

Attached to every commercial property insurance policy is a cause of loss form that determines which perils are covered and which are not. There are 3 forms in common use: basic form (CP1010), broad form (CP1020), and special form (CP1030). It is critical that a policyholder understands the property insurance cause of loss form attached to their policy… Read more »

Fast Claim Settlement Tips

| Auto insurance, Fire Insurance, Home Insurance, Homeowners Insurance, Insurance Claims, Insurance education.

Insurance claims are never fun. However, if something bad happens our goal is to make sure you are treated fairly and your claim is handled promptly.  To ensure that, here are 5 tips for a fast claim settlement that should help the process go smoothly. Report the incident quickly. The sooner you file the claim,… Read more »

Understand General Liability Exclusions

| General Liability Insurance, Insurance Claims, Insurance education.

The commercial general liability (CGL) policy provides remarkably broad coverage for property damage and bodily injury claims. As with all insurance policies, understanding what is not covered is just as important as understanding what is covered. Because the CGL policy is the foundation of most business insurance plans, it is critical to understand general liability… Read more »

5 Preventable Homeowners Insurance Claims

| Condominium Insurance, Home Insurance, Insurance Claims, Renters Insurance.

Even with the best home, condo, or renters insurance filing a claim is never an enjoyable experience. At Safeguard Insurance our goal is to make sure your claim is handled fairly and promptly. However, we would rather avoid the entire process if possible. With that in mind, here are 5 preventable homeowners insurance claims and what… Read more »

The Safest Cars of 2017

| Auto insurance, Auto Safety, Insurance Claims, Insurance education.

Every year the IIHS (Insurance Institute for Highway Safety) picks the safest vehicles on the road. For 2017, a total of 82 cars made the list with 38 earning top honors as “safety pick+”.  But, just what criteria does the IIHS evaluate when picking the the safest cars of 2017? The IIHS is a non-profit organization,… Read more »

Loss Assessment Coverage

| Agency Customers, Condominium Insurance, Home Insurance, Homeowners Insurance, Insurance Claims, Insurance education.

Nearly 25% of American homeowners live in some sort of managed community such as a homeowner association, condo association, or cooperative.  While there are certainly many benefits of living in a managed community, there are a few pitfalls to be aware of.  One of those pitfalls is the right of the association to assess the… Read more »

Youth Drivers and Auto Insurance

| Agency Customers, Auto insurance, Insurance Claims, Insurance education, Teen Drivers.

Youth drivers and auto insurance are two things that always make parents cringe. Young drivers account for a disproportionate share of auto accidents and, consequently, are expensive to insure. At Safeguard Insurance, we truly understand how expensive young drivers can be. That is why we offer our customers multiple auto insurance quote options to make… Read more »

Auto insurance claim tips

| Auto insurance, Auto Safety Tips, Insurance Claims.

We truly hope you are never involved in a serious auto accident.  No matter how well your auto insurance provider handles the claim, accidents are always stressful.  However, the odds are fairly high that, at some point, you will need to file a claim against your personal auto insurance policy.   Here are some auto… Read more »