Emerging increase in Heavy Rainfall and Lack of Homes carrying Flood Insurance


With the recent concern over Hurricane Joaquin, interesting statistics came out in the article “Why don’t property owners have flood insurance?” This article turns back to the destruction caused by Hurricane Sandy, causing $70 billion in damage where “less than half of those affected were insured”. Just a year later, flood damage further resulted in […]

Know How your Home Insurance is Calculated


A question that often comes up is how Home Insurance is calculated. This is important to know so you can be confident that you’re receiving proper coverage and paying fair premiums. It’s easiest thought that your Home Insurance is determined by the condition of your home and how resistant it is to damage and theft. So, simply put, […]

The Importance of Adequate Auto Insurance Coverage


Recently, there was an unfortunate car accident in our area that resulted in massive property damages needing “hundreds of thousands of dollars” in repairs. It is noted that the driver at fault is unlikely to have adequate insurance to pay for all the damage and, therefore, will need to pay for those significant damages ‘out-of-pocket’. This incident truly exemplifies the […]

Boat Towing Insurance, Getting out of Undesired Situations


Scenario: You are out driving your boat for your annual summer trip on your favorite lake, when suddenly, rogue debris gets sucked up and caught in your engine, rendering it inoperable. What do you do? Having some sort of mechanical issue out on a lake isn’t uncommon, and is likely to happen at some point in the life of a boat. […]

Situations for Why Travel Insurance is Worth the Investment


There are MANY reasons for a trip to be cancelled.  A personal situation in your life, a major weather challenge, a medical emergency, or a problem with a third party vendor that is directly related to your travel.  A trip can be very expensive, especially if it’s with your family.  Here are a few examples for […]

Jill Vozza, SDI New Employee: Insurance Solutions Provider


Welcome the newest addition to the SDI team, Jill Vozza, our Insurance Solutions Provider! Jill is a certified insurance counselor (CIC) and certified professional insurance agent (CPIA) with over 35 years’ experience in the property and casualty insurance industry. She has knowledge in all aspects of the industry, with a primary focus on business sales, service and […]

Boat Insurance, Consider Coverage before Revving up the Engine!


Statistic: In 2013, recreational boating accidents resulted in well over $10 million in damage, down from over $25 million in damage in 2011. Boat insurance covers most motored water-crafts in the event of a loss, such as an accident or theft, which could make all the financial difference in the event of catastrophe. If you are […]

Why Managing Credit Score Saves Money on Auto Insurance


Your credit score is one of the main factors used to determine what you pay for auto insurance. Therefore, ones payments may be more than expected, depending upon how low their credit is. It may seem like an unfair determinant, since comparing the two doesn’t conclude obvious correspondence. However, the insurance industry has accumulated and […]

RV Insurance and Safety, What to Know


RV insurance is unique in that it combines home and auto insurance coverage into one policy. One can purchase RV insurance as an add-on to an auto insurance policy or as a separate policy. RV insurance provides protection for: Collisions with other vehicles or objects Weather Vandalism Theft and other risks RV owners should recognize that it is […]

7 Points on How to Handle a Car Accident

Isn't it easy to avoid the accident?

Leaving the scene after a car incident, even if it is just a minor fender bender, without contacting the police has a likelihood to be in violation of law. Being informed on actions to take in the event of an accident can alleviate liability, stress, and time. Contact the police so those who are in need of aid can receive […]