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Home > Blog > St. Andrews Insurance Agency, Inc Blog Page 3
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St. Andrews Insurance Agency, Inc Blog Page 3

View the latest blog posts from St. Andrews Insurance Agency, Inc.

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Friday, July 9, 2021

Are SUVs More Expensive to Insure?

When buying a vehicle, consider the cost to insure it. Many factors play a role in how much you will pay for insurance. The type of vehicle is one of those factors.   SUVs are larger vehicles with typically more powerful engines. They also come at a higher price point as well. READ MORE >>

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Tuesday, June 22, 2021

Do I Need Workers Compensation For My Temp Workers?

The job market in the modern era is very different from the one of twenty, thirty years ago. There are thriving professionals in today's industries who have not actually held a "job" in years. So, not technically being "employees," temps, freelancers and day-laborers bring with them workers compensation insurance questions that aren't always easy to answer, but we'll do our best:  READ MORE >>

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Friday, May 28, 2021

How to Determine if You Are in a High-Risk Flood Area

Flooding can happen to anyone at any time. However, if you are in a high-risk flood zone, it’s important that you take the necessary precautions in protecting your home and your family. Since your homeowners insurance doesn’t protect your home from flooding, you should heavily consider purchasing flood insurance. READ MORE >>

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Friday, April 30, 2021

Understanding Insurance Requirements for Your Condo

Purchasing a condo means that you face a variety of responsibility that you may not face simply renting. When owning, you may be required to carry different insurance options by your realtor.  The coverage your policy can include will vary. However, it can usually contain:   READ MORE >>

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Thursday, March 11, 2021

What is Cash-value Homeowners Insurance?

All homeowner policies automatically cover household contents, but the way they are covered varies greatly depending on the type of policy. When you file a claim with a cash-value homeowners policy, your lost, stolen or damaged items are paid out at a depreciated value. READ MORE >>

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Friday, February 26, 2021

Does Your Car Attract Thieves?

Although you may not like to think about it, the car you drive may be one that thieves are looking to steal. That’s right, certain cars are targets, and you may be driving one. Every year, the National Insurance Crime Bureau (NICB) puts together a list of “Hot Wheels” which are the most commonly stolen cars from the previous year. READ MORE >>

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Thursday, January 14, 2021

Liability Insurance for Injuries Sustained in Restaurants

If you are a restaurant owner, then you see your fair share of traffic in and out of your doors every day, even if you have capacity limits and social distancing rules in place. When you do open your doors each day, however, you must remember that you have a duty to create a safe environment for your clients. READ MORE >>

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Thursday, December 31, 2020

Why is Flood Damage Excluded from Property Insurance?

There are a few common exclusions you may come across when it comes to property insurance such as home insurance, renters insurance and commercial property insurance. One of these exclusions includes flooding. Damage to your property caused by flooding is not often covered by property insurance, although there is no clear reason why this is. READ MORE >>

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Wednesday, November 25, 2020

Does My Condo Insurance Cover Jewelry?

Condominium owners need to be able to insure their home appropriately to them. While this might mean that insuring the structure requires investigation, there is also a need to examine your possessions insurance, too. The contents of your home are your responsibility alone, and you must establish the appropriate coverage for them. READ MORE >>

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Thursday, October 29, 2020

Should I Carry Home Insurance After I Pay Off My Loan

Home insurance is an important piece of protection that everyone who owns a house needs to carry. It’s there to protect you from any number hazards that might occur on the property. However, you might think that the risk might be less than the investment itself. READ MORE >>

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  • home insurance(9)
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  • workers compensation(1)
  • jewelry insurance(1)
  • property insurance(1)
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