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Insurance Insights

The Risks to Consider When Moving to Larger Spaces with New Features

Moving From the Cities to the Suburbs:  Risks to Consider

Successful individuals are moving to new homes and making upgrades to existing homes, which means they are facing new and different risks. 

As people move to larger spaces, such as from a city apartment to a townhome or from a smaller home to a larger home in the suburbs, they may face additional risks. This may be the first time they encounter a new feature such as a working fireplace or the first time they need to purchase a car.

At Rand Insurance, we advise your clients and prospects about how to stay safe as they transition.  Click on this link to learn more about the risks and solutions from our partners at Chubb or call us at Rand if you have any questions (203) 637-1006.

Posted 2/23/2021

Insurance Hurdles that Delay Home Closings

Prior to closing on your new home, there maybe several issues related to insurance that you, the buyer, may encounter.  Here is a quick overview from our partners at Chubb of what to pay attention to so you can avoid any delays.  For more information, contact us at Rand Insurance.

Posted 2/17/2021

Understanding the Cost and Value of Your Homeowners Policy

Do you really know what goes into calculating your homeowners insurance costs?  Our partners at Chubb have provided some detailed information that answer these three questions:

1.  What goes into your homeowners insurance premium?

2.  Why are costs and premiums rising?

3.  How do I reduce my premium?

Click here for the document called Understanding Your Homeowners Insurance to get a better understanding about your insurance and it's cost.  And of course, if you have any questions, call RAND Insurance at (203) 637-1006.


Posted 11/11/2020

Wildlife Collisions Increase Between October and December

Encountering wildlife out of nowhere while driving on the road can be dangerous and scary. Animals often find their way from the woods out onto highways and residential streets, placing them in the path of moving vehicles. Even though animals are more active at certain times of the year, they can be a hazard on the roadways year-round.

Be Mindful of Peak Areas and Times: Be on your highest alert at dusk and dawn, when many animals are most active. Deer are most active between 6 and 9 pm — a time when most drivers find it difficult to see. We also tend to be most sleepy and less alert behind the wheel during this time. Also note times of year: Early fall is usually mating season for animals, such as moose, and they are tracking scents. Deer are most active during their breeding season in the fall from October to early January. Springtime is when most wildlife families with their young are on the move as well.

If you do happen to collide with an animal, remember to never touch or help an animal in the roadway. Pull off the roadway and immediately call the police and be sure to get a police report. Many insurance companies may not pay for damages without a police report.

Be sure to share these tips with the young drivers in your life—reports indicate that young adults (ages 16-24) have the highest rate of car accidents involving large animals than any other age group.

by Meredith Bach  | 

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