Life Happens 365 - Are You Managing the Risk?

By Diane Tait Image courtesy of Public Domain Pictures Having a swimming pool in your yard can be a blessing, or it can be an accident waiting to happen.   One of the benefits of living in Florida is the amount of time we can spend in the water.   Unlike the northeast, where pool owners only have a scant few months to make use of their pool, in Florida we can swim nearly year around.   While that’s good news for homeowners, it can also be something of a watery minefield if you aren’t careful.  

By Diane Tait Image courtesy of A&B Insurance For most people, owning a home is the biggest investment they will ever make.   To protect this investment, you need to carry homeowner’s insurance.   That’s a given.   The trick is determining how much homeowner’s coverage you need.   Get it right, and you’ll be covered for unexpected crises that wind, weather, and happenstance can throw at you.   Get it wrong, and you can be left holding the bag if something happens to your home.   Nobody wants to pay more than they should for anything, including homeowner’s insurance.   Of course, nobody wants to find out after a catastrophe that the damage done to their home isn’t covered under their current policy.   To help you determine the optimum level of coverage you need, today I will give you some food for thought when it comes to your homeowner’s policy.

By Diane Tait Image courtesy of wikimedia Now that summer is here in north Florida, that means one thing: Summer squalls.   Those of you who moved to Florida from other parts of the country have no doubt had to contend with driving in the rain.   The difference is when you’re forced to deal with a full on, no-holds-barred thunderstorm here, don’t think rain, think free car wash.   That’s because rain squalls in Florida are as fierce as they are prevalent.   The rain that comes down on an almost daily basis in the Jacksonville area falls from the sky in torrents that can make windshield wipers nearly useless and visibility nearly zero.   That’s why more auto accidents happen in the summer in Florida than in any other part of the country.   If you want to keep summer squalls from wrecking your ride and causing your auto insurance rates to rise, here are some helpful hints.

By Diane Tait Image courtesy of A&B Insurance While every trucker knows that over the commercial truck insurance is expensive, they also realize it’s a necessary part of doing business as a trucker.   That being said, all trucking insurance policies are not created equal.   As you know, hauling cargo long distance is a risky business.   Aside from the risk of damage to the truck, there are also other factors that come into play, including damage or loss to the cargo, not to mention theft of the cargo or truck itself.   Commercial truck insurance is designed to help truck owners mitigate the risks to themselves and their drivers.   If you are an owner operator this doubles the potential for liability in the event of a crash or theft.

By Diane Tait Image courtesy of A&B Insurance It’s that time of year again when boaters of all stripes take to the water.   Unfortunately, summer is also the time of year when more boat accidents and sinking's occurred . While we at A&B Insurance can’t help you become a better boater, we can help you find the right coverage for your boat at the best rates.