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St. Andrews Insurance Agency, Inc Blog: insurance

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

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Monday, November 22, 2021

Commercial Auto Insurance: Maintenance Tips to Help Reduce Insurance Claims

Maintaining a commercial auto insurance plan is generally necessary for today’s business owner. If you own a fleet of vehicles or even just a few, the goal is to keep these vehicles in the best shape possible so they continue to meet your business needs.   READ MORE >>

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Friday, October 22, 2021

Does Commercial Auto Insurance Cover Employee Vehicles?

Commercial auto insurance policies are designed to cover vehicles used or owned by the business, but insurance can get slightly more complicated when it comes to employee vehicles. If your employees use personal vehicles for work, they may not be covered under your business’ basic commercial auto insurance policy. READ MORE >>

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Friday, September 10, 2021

The Basics of Condo Insurance

Want to enjoy the perks that come with building equity and getting tax incentives, without the pesky yard work and pool maintenance of owning a house? A condominium might be the perfect solution for you! And just like with any large investment, it’s important to consider condo insurance while you begin the hunt for a new home. READ MORE >>

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Thursday, August 26, 2021

Getting Appropriate Coverage Levels for Your High Value Home

It goes without saying that as homes increase in value, so do the risks that owners face.  High value homes may necessitate higher insurance levels because of their considerable costs. High value home insurance usually covers homes that have values higher than $750,000.  READ MORE >>

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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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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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