Insurance Blog

Do You Need Boating Insurance?

Courtesy of iii.org Insurance can provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 mile per hour horse power under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 percent of the home’s insured value and

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Hurricanes: Insurance and Recovery Resources

Courtesy of iii.org Following a hurricane or other disaster, getting back to normal can take some time. To assist in the recovery process, the Triple-I has compiled useful information around post-disaster safety and insurance coverage questions, with detailed guidance on how to file a claim. In addition, resources specific to Alabama, Florida, Louisiana, Mississippi and

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Gap Insurance

Do You Need Gap Insurance?

Courtesy of iii.org How gap insurance works When you buy or lease a new car or truck, the vehicle starts to depreciate in value the moment it leaves the car lot. In fact, most cars lose 20 percent of their value within a year. Standard auto insurance policies cover the depreciated value of a car—in

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Business Flood Insurance

Flood Insurance for Your Business

Courtesy of iii.org Natural disasters can be devastating to businesses. While damage caused by some types of natural events—such as lightning or wind—will usually be covered by commercial property insurance, you need a special policy if you want protection from flood damage. This Q&A will help you understand this type of coverage and determine whether your

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FEMA Disaster Assistance

Qualifying for FEMA Disaster Assistance

Courtesy of iii.org Qualifying for FEMA assistance   Q. How can I tell if my area has been declared a disaster that qualifies for FEMA assistance? A. The DiasterAssistance.gov website has a tool that will help you find out if you live in a declared disaster area. Q. If I received disaster assistance last year,

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Car Business Interruption Insurance

Do I Need Business Interruption Insurance?

Courtesy of iii.org Business interruption insurance can be as vital to your survival as a business as fire insurance. Most people would never consider opening a business without buying insurance to cover damage due to fire and windstorms. But too many small business owners fail to think about how they would manage if a fire

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