Homeowners Insurance – Fitzgibbons Arnold & Company

Protecting College Student’s Property with Renter’s Insurance

Tips for protecting all your assets from your local homeowners and renter’s insurance agent: Renter’s Insurance for Your College Student While you already have enough to worry about when your child leaves for college, you don’t want the specter of them dealing with the theft or damage of their possessions while there. For about $150 a year, you can protect your child’s possessions against theft or damage caused by fire, lightning, smoke, vandalism, electrical surges, windstorms or hail, water damage from utilities or appliances, and more. The same insurance also provides liability protection for students living off-campus. Considering that a Read More …

Proof-of-Loss Document Critical to Filing a Homeowners Insurance Claim

If you ever have to file a homeowner’s insurance claim, you’ll likely be asked to fill out a sworn proof-of-loss document — and it’s vital that you do this. Sworn Proof-of-Loss Document to Support Insurance Claim Two court decisions illustrate the importance of filing a sworn proof-of-loss document with your insurer to support a homeowners’ claim. In one case, James Durall, Jr. vs. Home-owners Insurance Company, the Michigan Court of Appeals ruled that a homeowner who had suffered a total fire loss was not entitled to coverage because he had failed to submit a sworn statement of proof of loss within Read More …

Having a Baby? Why It’s Time to Review Insurance.

Health Insurance Before your baby is even born, review your coverage and make sure you understand how your plan covers your new family member, as well as the mother’s needs during pregnancy. Think about prenatal vitamins, prenatal screenings and neo-natal tests, delivery of your baby, and pediatric care for your newborn. Notify your insurance carrier. Generally, health insurance carriers ask that a newborn be added to a policy within 30 days of birth. The birth of a baby is considered a life event, and you are allowed to enroll the baby at birth instead of waiting for open enrollment to Read More …