Boardman Hamilton Company

Renter’s insurance is meant to reimburse tenants for personal property in the event of fire, theft, or other covered events, and will also provide liability insurance should loss be found to be the fault of the tenant. Coverage may also provides so-called loss of use coverage for living expenses should a covered loss cause the home to be uninhabitable.

Accessory coverage for motorcycles is also called "Custom Parts and Equipment Coverage," or "CPE." CPE coverage is best for the motorcycle owner who has added aftermarket parts or custom upgrades to his or her bike. CPE covers sidecars, conversions kits, aftermarkets electronics or stereo equipment, custom paint or exhaust systems, as well as trailers, helmets, and leather.

Many RV accidents are caused by simple lack of attention. Do a pre-drive check on your vehicle before starting it each time to make sure awnings and bay doors are closed, propane tanks are secure, appliances are turned off, and power, phone, water, and sewer cables are disconnected.

Snowmobiles are a great way to ride across the snow, but the snow can cover many low obstacles (like rocks) that could damage your snowmobile. Fortunately, snowmobile insurance can help cover the costs of getting your snowmobile up and running again.

While some homeowners insurance policies can also protect your boat, it’s best to purchase a separate policy from a marine insurer. Regular homeowners policies sometimes omit coverage for salvage recovery and losses due to hurricanes. Talk to your insurance agent to determine your real needs.

Business insurance encompasses a broad range of protections against losses that may occur as part of normal business operations. Business insurance can include coverage for property damage, equipment theft or loss, legal liabilities, employee-related risks, and more.

When deciding on renters insurance, keep in mind that you determine the dollar amount you are insured for, so be sure to look at the values of your property as well as what you can afford. The higher the coverage tier, the higher your monthly premiums will be.

Even if someone has car insurance, it might not always be enough to cover all of the damage that was caused in an accident, and then you have to take care of the rest. Fortunately, your insurance agent can set you up with underinsured motorist coverage just in case.

According to Women Riders Now (WRN), nearly 25 percent of all motorcyclists in the U.S. are women. Most are between the ages of 30-50 years, ride a sportbike or a cruiser, and in a recent study, 96 percent of women motorcyclists who participated said they always wear a helmet.

Many homeowners' insurance policies cover property damage as a result of falling debris. For example, if a piece of airplane debris crashed through your roof, then the damage to your home and personal property would be taken care of.

If you will be financing a car, whether new or used, check with the lender to find out what its insurance requirements are. Failing to maintain the proper level of coverage could result in forfeiture of the loan and loss of the vehicle.

An RV has many added components that can make it more of a liability on the road. Gas tanks, heaters, appliances, and trailers are extras that need to be regularly inspected for safety. Talk to your insurance agent about your coverage of these extras.

Are you familiar with the exclusions that are spelled out in your homeowners' policy? These exclusions are common in most policies and describe the situations in which your policy will deny coverage. For example, neglect is a huge issue for insurers. If you had a shed in horrible condition, for example, coverage would probably be denied when it finally crumbles.