FBinsure Blog

Renting All or Part of Your House

Have you ever thought about renting out a room or your entire home for extra income? Before you decide this is a good idea you have some things to think about. Rental of a room or your home could be considered a business and changes the circumstances of your insurance policy.  Insurance carriers do not contemplate business exposures when insuring a single family home.  How many rooms are rented and for how long will play a factor in whether or not your home insurance policy will provide the proper coverage for this exposure.

Planning a Safe Summer Road Trip

Summer is here and day trips and vacations are well under way. Travelling is fun and exciting, however, it can end up quite nightmarish if you don't plan ahead. Whether for business or pleasure, planning safety into every mile is the key to happy memories. AAA offers these suggestions for an accident-free trip:

7 Reasons FBinsure is the Agency You Want.

Every day I see and hear clients come and go who are dealing with their own accident woes.  I know they are in good hands because I work with these people every day.  I know them.  I know their work ethic, their families and they in turn know mine.  We are a family and families look out for one another. I have all my insurance through FBinsure not because I work here, but because I trust them and let’s face it, it’s also super convenient!

If it happened, would you know how to do the John-Jacob-Jingle- HEIMLICH maneuver?

Summer is here.  Cookouts with family and friends are part of the summer festivities that carry us from June through August.  We plan every detail of these events from food to activities right down to the quaint evening gatherings around the fire pit complete with marshmallow roasting.  What we don’t plan for is the unexpected.  What happens when Uncle Ned suddenly chokes on the steak he is gnawing on because cousin Joe cracked a joke?  We hope this never happens but choking was the fourth leading cause of unintentional death in 2011.  Would you or anyone at yo

Improving Your Home Improvements-Ice Dam Mitigation

In the Northeast, the term “ice dam” is met with grimacing faces and curse words. Many people have just started work on the home repairs needed due to the havoc wreaked over this past winter. With repairs in full swing, now is a good time to think about making improvements to your home to protect yourself against future ice dam issues. It is better to make these improvements now while your home is already being repaired than to wait and make these improvements after your home is repaired and looks like new.

Tips to a Smooth Workers’ Compensation Audit

Audits.  Nothing invokes beads of sweat on the foreheads of company owners faster than an audit.  It keeps hard working managers up at night with worry even if everything is in order.  “It won’t happen to me” they say, but then it does.  When it does, it is always a good idea to be prepared.  If you haven’t taken the time to proactively prepare for an audit throughout the year there are steps you can take once you are notified of your audit date.

The Great Insurance Illusion

perception I wonder what people think about insurance in general.  I used to think insurance was just another monthly obligation.  Something, like all other bills, that merely functioned like a vice grip on my wallet.

Cyber Liability Insurance-Does My Business Really Need It?

This is a legitimate question many business owners may keep asking themselves when they hear of another data breach occurring at a major retailer, healthcare provider or financial institution. The majority of businesses are far below the size category of the large and well known victims of data breaches. These business owners may rationalize that they have a minimal cyber liability exposure. This may make them feel that they are less of a target and their data may not be of value to cyber criminals or fraudsters. Nothing could be further from the truth.

The Broker Selection Process

Most people associate buying insurance like buying a car. You pick out the car you want and then have multiple sales people fight over your business to get you the best price possible. Most of the time this process works and you, the consumer, end up with a good deal for the car you want. This process does not work well when buying insurance. Let me explain why.

Ways To Save With Young Drivers

Anyone who has had a child of driving age knows all too well the significant cost surrounding their child’s newfound four wheeled freedom. Young drivers cost a significant amount of money on an insurance policy. The reason for this is their inexperience. Young drivers make mistakes, and when you are driving a vehicle, those mistakes can be costly. With that said, there are ways to help mitigate the cost of adding your young driver to your insurance policy. See below for some common discounts associated with new drivers.