Renters InsuranceIf you rent, you need coverage that helps protect your belongings. The ErieSecure Tenant® Policy is specially designed for renters like you, with coverage for:
- See more at: https://www.erieinsurance.com/home-insurance/coverages/eriesecure/apartment-condo-mobile/apartments#sthash.EYpdvieW.dpuf
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A deck or lanai can be a valuable selling point for a property. They can be a big part of a tenant's lifestyle and an important entertainment area for a home, apartment or condominium. They can also be a big differentiator for some restaurants, nightclubs and other public venues. But these structures attract people, and people can strain structures to the breaking point. So while decks and lanais can add value, they also bring some serious potential liability for landlords, too, if something should go wrong.
With a Name Like Shucker's… In June of 2013, about 100 people were present on the deck of Shucker's, a restaurant and sports bar overlooking the picturesque Miami Intercoastal, when the entire deck collapsed without warning, dropping them into the water. Some 33 people people were injured, two critically. A number of lawsuits have been filed, which are winding their way through the court system. The owner's damages, in this case, are compounded by a lengthy business interruption, as rebuilding hasn't even started yet, due to the ongoing investigation. It's not just commercial property owners who need protection against the possibility of a deck collapse, and the liability it can bring. In a recent case in Salem, Massachusetts, a young recently-returned military veteran, age 23, was visiting some friends and they went out on the deck for a beer. Unbeknownst to anyone, one of the beams securing the railing was never properly nailed in place by the subcontractor responsible for building the deck. Several people were out on the lanai, and at least one of them was leaning on the railing. The railing collapsed, and the young veteran fell 30 feet to the ground. His injuries left him a paraplegic. He filed suit not just against the landlord, but also against the architect the landlord had hired to inspect the construction, as well as the general contractor and subcontractor who built the house and deck, respectively. Upon investigation, the subcontractor admitted that it was at fault since its own worker admitted failing to nail the key beam in place. The architect originally denied responsibility, claiming that he had been brought on as a consultant only. Discovery, however, unearthed a document demonstrating that the architect had, indeed, certified that he had inspected the work done and that it had been done satisfactorily. The accident victim in this case had suffered future lost income and additional medical expenses worth at least $2.2 million, and that was in compensatory damages alone. However, since everyone involved in the construction of the home had some responsibility in the chain of events leading to the accident, each of them, in conjunction with their respective liability insurance carriers, wound up contributing a minimum six figures (in the case of the architect) to a total settlement of $4,600,000. In another case, a 2007 deck collapse in Wichita, Kansas, severely injured several people, and killed one. Investigation revealed that the deck was only secured to the main structure with a few nails and not properly bolted to the base of the house. In this case, after some back and forth, defendants and their insurers ultimately settled for a total of $2.18 million. In each case, a deck collapse resulted in seven-figure liability - even in a non-fatality accident injuring just one person. And as the Shucker's and Witchita incidents demonstrate, deck collapses can easily involve multiple victims, increasing the potential damages substantially. In each case, as well, the accidents occurred well after the structures were built. Landlords and Contractors should ensure that they have an adequate amount of liability coverage, including an umbrella policy. Short of not having enough coverage, the legal process will eventually force the funds from the liable parties. This can mean selling off properties, depleting liquid assets and even having future income garnished to pay off the damaged parties. When you have an Erie Insurance Agent, you know we'll make your experience as fast and easy as possible – whether your claim is simple or complex.
A simple claim is usually one that doesn't involve physical injury, property damage, and only minor damage to your car. For instance, a chipped windshield or a tow after a car accident are most often simple insurance claims. Because they normally don't involve another person, they can often be settled over the phone or via e-mail. A complex claim involves significant damage to your car, another vehicle or property, or bodily harm. These factors make the claims process slightly more complicated, but an experienced agent can always help make it a lot easier. You'll be assigned a claims adjuster who will help examine the extent of the damages, and we'll be there every step of the way. Call us when you have a claim. We can help make your claims experience easy as pie. You try to do everything by the book, but not everyone does. You do your best to protect yourself and your vehicle with auto insurance, but uninsured drivers are out there every day. A 2011 study by the Insurance Research Council estimates that 1 in 7 drivers are uninsured. So chances are pretty good that you might wind up in an accident with a driver with no insurance. What happens now?
Luckily, you can protect yourself with Uninsured Motorist Coverage. This add-on policy is exactly what it sounds like: extra coverage that makes sure you aren't left holding the bill if you're injured in an accident with an uninsured driver. Expenses for injuries from car accidents can add up quickly, and without insurance, the financial hardships can be tough to overcome. Another add-on is Underinsured Motorist Coverage. Some drivers meet the minimum state requirements for insurance, but the payouts are too small to help you in the case of serious injuries. That's where ERIE's coverage comes in, making sure that you get just compensation for your injuries—even if the other driver’s insurance isn’t sufficient to make that happen. We're just doing our best to look out for you. If you have any questions or are interested in adding uninsured or underinsured coverage to your policy, let us know, and we'll be glad to walk you through the whole process. Stay safe out there! According to the National Flood Insurance Program (NFIP), everyone lives in a flood zone. Even those who don't live near water are at risk, because anywhere it rains, it can flood. Heavy rains, clogged or insufficient drainage systems, nearby construction projects, broken water mains and inadequate levees and dams can cause flooding that put your home and belongings at risk.
Your home is one of your greatest investments. It's important to prepare ahead should disaster occur. Here are three simple steps to help make sure you're ready in the event of a flood.
Starting today, For every new Facebook like we get on our page we will donate $1 to Griffin Pond Animal Shelter. Help us raise up to $750 dollars! Please share to make a difference with just one click! www.facebook.com/nifcagency The screech of tires. The shriek of brakes. The tinkle of broken glass. These aren't sounds that anyone wants to hear, but car accidents are part of modern life. How you react after an accident can make the process of getting back on your feet a lot easier. So keep calm and start picking up the pieces. Here’s a checklist to keep in mind:
And that's it—we'll take it from here. By keeping a cool head and following these simple steps, you'll have a great foundation to a quick, painless claim. Have other questions about what to do after an accident? We're always here to help. Often considered a temporary policy, term life insurance is only meant to cover you for a specific “term” or period of time during which the premiums may remain level. Coverage may continue after the level premium term but typically at higher premiums or with reduced face amounts. This can be anywhere from one year up to 30 years. If you were to die unexpectedly during that specific term, your beneficiaries will receive a set payout (known as the death benefit) as specified on your policy.
Being simple in concept, term life can help you affordably address the difficult question of how your family will financially manage if you were to pass away unexpectedly. Key benefits include:
Modern cars can be wonderful, but there's something about a classic that makes them timelessly beautiful. Take the Model T, for instance. It was one of the first cars ever mass-produced, but its distinctive high carriage, convertible roof and endearing headlights never go out of style. Erie Insurance is a little like that Model T. We've been around a long time—in fact; the Model T was the most popular car when ERIE was founded way back in 1925. We got our start insuring cars, back when they were still new-fangled horseless carriages. And for the past 86 years, we've continued offering the same comprehensive, attentive and timeless service. It's just a part of who we are. Don't get us wrong—there's a place for the new and modern. But when it comes to protection and service, you want the classic treatment. Come see why we are an award-winning car insurer, and how we can take care of your new-fashioned car with classic customer service. Welcome to our new insurance agency blog! This is our very first post. We're not quite sure what we're going to write about here, but the plan is to create helpful content for customers and prospective clients about information that is relevant to you. We hope you'll come to view this as a top resource for keeping your family and your finances safe. Here are a few of the topics we may be writing about:
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