Sometimes You Need More Than a Hurricane Kit

It has been a wild couple of weeks for residents on the eastern seaboard, particularly for many of us here at Enservio Headquarters in the Boston area. We recently experienced a 5.9 magnitude earthquake that shook the earth, homes and offices all up and down the east coast. Then came Hurricane Irene which caused flooding and power outages in homes and businesses due to torrential rains and storm surges. Continue reading

It’s Never Too Late to Re-evaluate!

I’m a realist – insurance is a huge part of my life because it literally is my job, but I know the average Joe isn’t examining his homeowners policy on a regular basis (not even I don’t do that). Once it’s selected, the policy is usually forgotten about unless there’s a claim. At that point, it’s a bit too late to re-evaluate your policy. Continue reading

Have You Thought About What’s In Your Closet?

I was recently flipping through the TV channels and I came across the show Hoarders on A&E. I was amazed by the amount of stuff one person can accumulate in their lifetime, and it made me think about the contents of my own home. While the majority of us probably don’t have as much stashed away as the families portrayed on Hoarders – there is most likely enough that it would be hard to think through exactly what you have. Continue reading

The Importance of Knowing What It’s Worth

When it comes to contents, especially unique or hard-to-value items, it’s important to know what you have before there’s a problem. Otherwise, how can you insure it properly? If your estimate overvalues the item, you could be paying too much for insurance. On the other hand, if you undervalue it, you could risk a lack of coverage if the item is lost or damaged. Continue reading