Category: Home Insurance

Who Needs a Personal Umbrella Policy?

Individuals looking to protect the integrity of their finances should look into the benefits of a personal umbrella policy.  Umbrella policies offer coverage over and above the limits of the underlying policy.  While this may not be appealing for cut and dry property claims, when facing liability judgments or medical expenses, an umbrella policy can be the difference between losing everything and keeping finances intact....

Surviving the Property Claims Process

The entire purpose of purchasing an insurance policy is to be protected in the event of a loss.  However, risk management does not end with purchasing a policy.  The next step is to become acquainted with the claims process and prepare in the event of a substantial loss. From documenting belongings to communicating with the carrier and understanding the time frame of the process, there are...

The Difference Between Liability and Property Risks and Claims

Sometimes the lines between a property or liability claim can be blurry.  For homeowners and business owners alike, determining what type of claim to file or identifying which policies will respond to a given occurrence can be confusing.  Below, please find Beckerman & Co’s cheat sheet for determining if a policyholder is dealing with  property or liability insurance. The first helpful tip to remember is...

Protect Your Jewelry from Loss

Happy Valentine's Day! Whether it is from Valentine’s Day, Mother’s Day or a wedding day, it is very likely that a loved one has received jewelry as a gift and stores it in their home.  While a minimal amount of jewelry is covered under a homeowner’s insurance policy, a policyholder will need more coverage if the actual value of the jewelry owned exceeds the provided...

Are You Running A Business From Home?

Home based businesses can offer the best of two worlds; working from home and earning a living.  In fact, over 50% of small businesses are run from homes.  But there are risks in operating your business from you home. Most home based businesses do not have the same risks as other business including buildings, employees, production machinery, or fleets of vehicles.  But, home based businesses...