Shepard Insurance Insights

Weatherproof The Changing Nature of Home Insurance It used to be a straightforward decision when insuring your home, you implemented a premium policy, or you bought a basic home insurance contract. "your options begin with your location, and what insurer is underwriting homes in that location" Climate disasters have changed all that. Your options begin [...] Read More

Liability Insurance What is the Right Amount? Liability insurance is an important coverage that is attached to personal insurance policies like home, auto, or even watercraft. An important protection, it is often overlooked in evaluating the insurance values of your property possessions. "the question is how much liability insurance is the right amount for you?" [...] Read More

Lightning Strike Prevention Avoiding Insurance Claims The dangerous climate-driven storms and the massive deluge of rain are creating a new version of water damage to homes. But equally concerning is the growing potential for a lightning strike, which many times comes with these intense storms. "more than $100,000 in damage to the electronics in the [...] Read More

Hurricane Lee - Another Weather Warning Being Prepared At this point it is a bit uncertain whether Hurricane Lee will have an impact on the east coast, but taking steps to minimize the impact is sensible as it roars up the Atlantic. "remember that flood, or water coming from the outside is a primary exclusion [...] Read More

AIG Private Client Group Continues Its Personal Insurance Exit Strategic Moves to Control Climate Exposure Climate continues to challenge insurance companies on how to control the exposure to devastating storms nationwide. All insurers are searching for an answer to storm or wildfire damage. "Allstate has discontinued writing new home insurance in the state of Connecticut" [...] Read More

UM/UIM: Important Acronyms in Auto Insurance! What Happens When the Other Driver Has No Insurance, Or More Likely Low Insurance limits? Most auto insurance policies have UM - Uninsured Motorist coverage. A lot of policies include UIM - Under Insured Motorist coverage as well. These two coverages on your auto policy can be vitally important [...] Read More