Insurance Blog

As we are all aware, the Covid-19 virus is now significantly impacting our daily lives and causing concern nationally and globally. The health and safety of our families, friends, employees, and clients is our top priority. As insurance professionals, we recognize that we have a responsibility to our clients, and we need to continue to provide all insurance agency services without interruption or delay.

Our Agency is managing the risk associated with the virus by taking the following steps: Effective March 17th, many employees of Baldwin, Welsh & Parker Insurance Agencies will be working remotely until further notice. We will remain fully operational, but are discouraging all visitation to our offices except for emergencies. Please call or email us for any insurance need you may have. In addition, we encourage you to visit our website to access insurance company claim and billing services.

On behalf of all of us at Baldwin, Welsh & Parker Insurance Agencies, we wish you all good health, and we know you share our confidence that we will demonstrate resolve andnresiliencenas we face the Covid-19 challenge before us.

If you have any questions or concerns, please contact us.

Sincerely,

David C. D’Orlando                         Steven E. Joyce
President                                           Vice President

Tuesday, 10 March 2020 14:39

What is Umbrella Insurance?

What is Umbrella Insurance?

Umbrella insurance provides excess liability insurance coverage that goes beyond the limits of the your homeowners or auto insurance policies. It offers additional protection in the event that you are sued for property damage or injuries. It also protects against libel, vandalism, and slander. The following explains how umbrella insurance works.

Is umbrella insurance necessary?

It’s important to first understand what is covered by standard homeowners and auto policies as well as the potential benefits of umbrella policy. The following may help you decide if umbrella insurance is appropriate for you.

Tuesday, 21 January 2020 20:50

Are Your Valuables Covered? Maybe Not.

Written by

Updated January 31, 2020 at 4:15 p.m.

Protect Your Most Valuable Belongings

If you own your home (or have a renters policy), you might be surprised to learn that your standard homeowner's insurance policy doesn't cover the total loss of your most expensive possessions. Most homeowners' policies offer limited coverage for personal items such as jewelry, musical instruments, sporting equipment, cameras, and computers.

 

Standard Homeowners Insurance Does Not Fully Cover Expensive Jewelry & Valuable Items

Standard homeowners and renters insurance policies include coverage for personal possessions such as jewelry, but many policies limit the dollar amount for theft of valuable items. When jewelry is lost or damaged due to theft or fire, it may not be covered — many times it's excluded. Homeowners' policies generally have a $1,000 or $1,500 maximum coverage amount for jewelry loss due to theft. Therefore, when jewelry valued at $3,000 is stolen from your home and you only have a $1,000 limit, you’d only receive $1,000 of the $3000 needed to replace those items.

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