Was completing CE credits this year and one of the sections covered insurance to value and the coverage gaps that exist in the market. Northington customers need not worry about this statement: “Insurers that do not provide guaranteed replacement cost coverage (the majority do not) (emphasis added!) and that encourage or allow their agents to … More Northington Insurance Group customers enjoy guaranteed or extended rebuild cost policies.

The high-net-worth (HNW) homeowners’ space is in its “hardest market in decades”, sources have told Inside P&C, as carriers retrench capacity and rates continue to accelerate with double-digit growth. Further, the popular opinion is that the hardening will continue for the next two to three years until carriers figure out a way to better combat the … More “HNW homeowners space ‘in hardest market in decades’”

More than ever, the quality of one’s insurer and insurance program should be top of mind for those with assets. Most quality high net worth brokers with access to the right markets have solutions and programs to address these emerging issues. Victoria

I wrote a post that AWD doesn’t mean crash proof a few years ago. Sure enough, my son was zipping around our local roads here in Avon in a sturdy AWD BMW when a tree jumped out in front of him and totaled the car! Thankfully all was well and no injury! All air bags … More I was clairvoyant! AWD definitely doesn’t mean Crash Proof!

From one of my partner insurer and friends at Cincinnati Insurance: https://www.cinfin.com/personal-insurance/risk-management/avoid-water-damage-losses WATER DAMAGE Water damage losses can happen in any season and every home has potential sources of water damage: Failure of water supply lines to appliances, sinks, wet bars or toilets Burst pipes due to age, freezing or disrepair Water heater failure Plumbing … More Avoid Water Damage With Sensors!!!

This article is from the Hartford Steam Boiler insurance company blog called Equipment Connection.  HSB is well known in the industry for their cutting edge coverages and services in both the personal and commercial space.  I would recommend you add their Equipment Connection blog to those you might follow.  Best…Victoria Just when you thought you … More How to avoid cyber fraud from VISHING

It’s that time of year where I often receive the panicked phone call from clients: “I crashed the car this morning!  No one is hurt, but the car looks totaled.”  Many times it is a family’s youthful driver on the way to school or work in the brand new all wheel drive (AWD) car.  Often it is … More AWD ≠ Crash Proof

New systems like autonomous braking, pedestrian avoidance, automatic lane keeping, and autopilot modes are worth considering when you buy your next new – or even used – vehicle. They are a much better spend then the latest and greatest wheels or cooled cup holders. Consider the systems in Mercedes vehicles…see the video below. With these … More When shopping for cars or SUVs, look for new technology to avoid crashes.

If you have your house in a trust or LLC for whatever purpose, please do yourself a favor and check your insurance policy.  Make sure the trust or LLC is  a named insured, or at the very least an additional named insured!  If it is not – your insurance policy is not set up properly … More Trusts and LLCs