We’ve seen quite a few things trending in 2021 from the pandemic and we’re here to help you through those transitions. Whether you’re moving, buying a secondary home, undergoing home renovations, have children moving across the country, or thinking of planning that family vacation (finally!), we’re here to help.
Service Line Coverage
Service line coverage is available through some of our homeowner carriers and this is a valuable coverage to help in the event of utility line failure outside of the home’s foundation that leads to the street. If it’s not available on your homeowners policy, your service providers also offer this coverage at a nominal cost per month. If you have any questions, please reach out to discuss.
Have there been any new jewelry, regular use vehicles, collector vehicles, fine art or other high valued collectibles purchased over the past year? It may be time to revisit your valuable articles coverage limits and/or auto and collector vehicle policies.
If you’re thinking about moving to or in the process of purchasing a coastal home, there are many things to consider. The risk variables significantly differ when comparing a home that is located on a more inland and/or northern state versus one that is further south and/or along the coast line.
Florida, for example, has its own set of challenges with increased insurance costs due to wind and hurricane exposures, an increased need for flood coverage, increased costs to protect your home against these risks and how investing in home upgrades can greatly benefit you in the long run. The more time that we have to help you prepare for a home closing, move or renovation, the better.
Whether you’re home or taking some much-needed time away with family, it’s important to protect what your home and belongings. Flooding can happen anywhere at any time. You do not need to live by a body of water to have this be a threat to your home. A microburst storm that causes rapid surface water accumulation can cause just as much damage as a coastal tidal surge. Flooding concerns are on the rise and now would be a good time to discuss. We can help to provide recommendations on things to consider to protect you home from flooding and hurricanes and to make sure that you have proper coverage if something does happen.
Cyber security issues continue to be a challenge. It’s hard to ignore the news headlines listing major cyber breaches and identity theft issues on a regular basis. Whether you’d like to discuss what coverage options are available or what you can do to prevent cyber security breaches from happening in the first place, we’re here to help.
A lot of our clients are taking steps to update their homes and enhance their living space. Whether you’re thinking of enhancing your backyard patio for entertaining or installing a pool or hot tub, another important factor that you should be considering is your current excess liability limit. There are a lot of reasons to readdress your liability limits and we’re here to help you through that process.
Your Private Client Service team is here to help. If you have any questions, please don’t hesitate to reach out.