Seniors with mobility or sensory challenges often pay significant dollars for solutions that enable them to continue to enjoy their lives with fewer limitations. These devices and equipment need to be insured under a
Below are the insurance add-ons that we at the Murrick Group highly recommend. Extra home liability insurance, loss of use auto insurance, cyber insurance, and reduced earthquake deductible insurance are all add-ons that are more than worth considering.
Electric bikes, better known as e-bikes, and bicycles of any kind can be a significant investment and deserve to be financially protected with appropriate insurance. Most e-bikes are powered by an electric motor of 500 watts or less, and are therefore classified as bicycles, for insurance purposes. While insurance coverage for your e-bike or bicycle is not legally required, we…
In the insurance world, material change is described as “any change material to the risk and within the control and knowledge of the Insured” or “a substantial and continuing change in your situation that affects and increases the risk involved to insure your property”. Material change of any kind could affect your insurance. An insurance policy is a legal contract…
If you own your own home or rental property and are considering or are already renting all or part of it for short periods of time, be sure to purchase appropriate insurance. Some insurance companies allow you to add a short-term rental endorsement to your homeowner insurance policy but have restrictions or limitations to qualify for the additional coverage. Before…
Your home and/or commercial property are amongst your most valuable and important assets. Updating, upgrading, and maintaining your properties not only protect your investment and make practical sense, but also could affect insurability. Home Insurance Insurance companies require details regarding the major components of your home, including the roof, plumbing, electrical, heating, and hot water, which must be updated or…
By proactively maintaining your property, you will have peace of mind to enjoy the cozy winter ahead!
Your home is considered “vacant” when you leave and have no intention of returning. The moment your home becomes “vacant,” coverage on your homeowners insurance changes.
Finding the right insurance for your condo unit can be a challenge these days. Your Murrick Group Insurance agent is well-versed on Unit Owner Condo insurance and can provide you with the best option that provides the coverage you need at the best possible price. Insurance for condo unit owners is far more complex than other types of homeowners’ insurance.
The coverage comes into effect when a claim is accepted and the insured cannot live in their home while repairs are being made.
Now, there is insurance coverage to protect against losses or damage created by a cyber attack involving a computing or connected home device.
Individual condo owners must purchase insurance for their own suites. Unit Owner Condo Coverage insures personal property, suite improvements and betterments, loss assessments, personal liability, and strata building deductible reimbursement.