Insurance Blog

May 15th, 2019 by Lightship Insurance

What Is Gap Insurance?

Landscaping Losses: Are They Covered by Insurance? Your neighbor's teenager drove over your beautiful flower beds. That old oak finally fell, and it took out your fence on its way down. If a disaster hits your landscaping, is this covered by homeowners insurance? In many cases, yes. As part of your home, your landscaping is often covered by your homeowners policy, but not always. Here's... Read Article

Animal Invasion: Are You Covered?

Animal Invasion: Are you covered? Your dog ate your couch. Birds destroyed your gutter. A family of racoons overran your garage. Will your homeowners insurance cover these animal invasions? Yes and no. Here's the scoop: Infestation: If your home suffers damage at the hands (or legs) of insects, rodents, or vermin, the cost probably won't be covered by your homeowners insurance. Whatever damage these unwanted... Read Article

Why Are Auto Insurance Rates Going Up?

Why Did My Auto Insurance Premium Increase? Did your auto insurance rate go up? If you noticed an increase in your premium, this is often due to one of three reasons. Fortunately, there are three things you can do to push that figure back down. Here's the scoop. Tickets: Did you receive a traffic citation? Tickets are a common cause of insurance rate increases. The... Read Article

Need Business Insurance? Ask These Questions

Need Business Insurance? Ask These Questions First You own a small business. You know you need insurance. But what specific coverage do you need?  Before you buy insurance, you must ask yourself several key questions to determine the exact coverage your company requires. The answers to these questions will help guide your conversation with your insurance agent to create the ideal insurance portfolio for your... Read Article

General Liability vs. Professional Liability: The Difference?

General Liability vs. Professional Liability: The Difference? Business professionals bear the burden of responsibility in two distinct arenas: general liability and professional liability. Both types of coverage are necessary to secure sufficient protection for your business. Here's the difference: General liability offers protection against costs associated with property damage, medical expenses, settlements, and slander. For example, if a customer comes into your store, slips, falls,... Read Article