Tuesday, March 25, 2008

Wedding Season is coming..

When someone invests a large amount of money in something, it just makes sense to insure it. With the average wedding costing close to $28,000, it is not surprising that more and more people are choosing to insure their "BIG DAY". Just a few of the facts that were included in the American Wedding Study of 2006: More than 44,000 weddings took place every weekend and included 23 million bridesmaids and groomsmen. All brides and grooms expect that their big day will be a fairytale; however, that sometimes is just not the case. With so many pieces of the puzzle(IE. Caterer, DJ, Flowers) needing to be meticulously timed and prepared it sometimes can be a recipe for disaster. This is the main reason that many couples are choosing to insure their wedding. One of the biggest insurers of weddings is Travelers and here are a few things that are covered in their wedding policy:

-The wedding dress vendor went out of business before shipping the bride's dress the week of her wedding. The bride in turn lost her deposit, had to search quickly for a replacement dress, which cost a little more than the original, and arrange for Alterations. The Travelers wedding insurance policy can cover extra costs associated with purchasing another dress.

-The venue reported that it inadvertently double-booked the time for the wedding. The couple had to decide whether to have the wedding earlier that day at the same venue; or wait several weeks. The Travelers policy would cover extra costs and lost deposits.

- The photographer turned out to be a fraud. To ensure the couple has some keepsake memories, the policy can assist with the costs associated with reconvening the wedding party so that new photos can be taken. (I personally know someone that this actually happened too.)

When you consider the ever increasing costs of weddings these day, it is a no-brainer that you should spend the $200-$800 that it costs for this coverage. There is minimal information that is needed and a quote can be generated fast so please give us a call today to inquire about this important coverage to make sure your wedding does not contribute to the growing divorce rates.

Tuesday, March 11, 2008

ROW, ROW, ROW YOUR BOAT... IT IS FLOOD SEASON

Well, it is flood season again and I bet less than a quarter of the people who really need coverage have coverage. Most people believe that unless their mortgage company requires flood coverage they do not need it. Well, you could very well be wrong. Take for instance the floods that happened in Livingston Manor. Everyone thought after the first flood it would never happen again. Well guess what? IT DID... Even business owners and homeowners whose properties have not flooded in 50 years are prone to the big one. Can you watch the weather forecast, see that it is going to pour for a week straight and get coverage right away? That is NOT the case. Flood insurance has a 30 day waiting period before it goes into effect. You NEED to contact us right away to obtain a flood quote!!! It is no obligation for you to obtain a quote; however, it will put your mind at ease if you at least inquire to see what the coverage costs and covers.