Teens Drinking at Parties = Insurance Issues

As the new school year starts, high schoolers are getting back into the routine of hanging out with friends. This often includes weekend parties after the Friday night football game, which can become occasions for teenagers to drink alcohol. Unfortunately, when teens drink at unsupervised parties they risk harming themselves and others. Responsibility and Coverage When high schoolers throw these parties, their parents may bear responsibility for what happens, whether or not they knew or gave permission. This can include any injuries or damages that occur after the guests leave. The homeowner’s insurance is likely to cover any financial damages,…

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Common Questions From Homeowners Answered

How Can I Reduce My Homeowner’s Premium With Premier Insurance Services? Given that homeowner’s insurance rates are on the rise, you are likely looking for ways to reduce your homeowner’s premium to save money in the long run. Though this may seem like a difficult task, there are various methods you can take to reduce your homeowner’s premium with Premier Insurance Services. Some of the numerous ways that you can chip away at your overall annual premium include: Raise your deductible. Raising your deductible, or the amount of risk you agree to accept before your insurance company starts paying on…

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Homeowner’s Five Coverages You May Not Know You Need

When you own a home, you may have extenuating circumstances and/or own property that your insurance may not cover. There are a number of extra coverage options you can add on to your policy, which are known as endorsements. They are essentially riders that you purchase separately but tack on to your homeowner's coverage as a policy extension. In fact, there may be risks in your home that you never thought of and that won't be covered by your homeowner's policy.  Here are five endorsements that you should be aware of, according to the insurance trade publication National Underwriter. 'Additional…

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How the Pandemic May Affect Your Homeowner’s Insurance

While COVID-19 continues raging across the country, the pandemic has made many people worry about their homeowner's insurance coverage. We've all seen how the pandemic has damaged the U.S. economy and it is affecting the insurance industry as well, prompting some to worry about large policy rate hikes or their ability to pay their premiums on time, if at all. There is also the possibility of increased costs of medical care due to how hospitals are having to work with non-COVID-19 patients, which could mean that any liability claims involving medical care could increase in cost. While the overall effects…

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