Learn why electric bicycle owners need specific property and liability insurance. Read about standard insurance coverage restrictions applicable to electric bicycles. Electric bicycles are gaining traction with outdoor enthusiasts. Within the last two weekends alone, I’ve noticed several people riding them on the paved paths throughout the Cleveland Metroparks. Because of the pedal-assist and throttle…

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Read about a new reality in the homeowners’ insurance market. Learn why homeowners’ insurance premiums are increasing across-the-board. We are experiencing a new reality that will have widespread consequences for all. This new reality is dramatic change, including premium increases, in the personal lines homeowners’ insurance market. It is being driven by another reality, which…

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Learn how parts of the homeowners’ insurance pool are impacting the whole. Read why repetitive weather extremes affect your homeowner’s insurance premium.  Insurance is a big pool of risks. What was once predictable within an acceptable range in the deep end is literally burning up and blowing through risk models, causing noticeable churn in the…

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Read about pet insurance protection for your beloved pet dogs and cats. Discover two pet insurance coverage options available to owners of pet dogs and cats. Mention of first-born or oldest usually prompts a mental image of a human being. If you aren’t the first-born or oldest in your family, an older brother or sister…

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