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5 Things Business Owners Should Know About Insurance Limits and Deductibles

Building a business involves making countless vital decisions, including hiring the right team, buying the right software, and finding a suitable space. Understanding the basics of insurance coverage may be glossed over during day-to-day operations. Insurance is one of the behind-the-scenes essentials that can make or break financial stability when the unexpected occurs. It is vital that you fully understand your policy limits and deductibles.

Insurance Limits: Your Business’s Safety Net

An insurance limit is the maximum amount your policy will pay out in the event of a claim. When you think of insurance as a safety net beneath a tightrope walker, the higher the limit, the more protection you have in a fall. If coverage limits are too low, you could face severe financial losses. For example, when a business is hit by a natural disaster or is named in a high-value lawsuit with damages over $1 million when the policy limit is $500,000, the business will be responsible for paying the remaining $500,000. Choose your limits carefully to reflect the actual value of your business, the risks involved, and the potential recovery costs.

Deductibles: Lower Is Not Always Better

A deductible is what is paid out of pocket toward a covered claim before insurance coverage kicks in. It is a common misconception that it is always better to have a lower deductible. Of course, it means you pay less upfront, but lower deductibles often come with higher premiums. A higher deductible can save you more on monthly premiums, but you must be prepared to cover more in case of a disaster. This is a classic case of “you get what you pay for.” Consider your cash flow and risk tolerance carefully when choosing a deductible.

General vs. Specific Limits

Insurance limits are not all created equal. While general limits apply to the entire policy, specific limits can be tied to individual categories of coverage. For example, a commercial liability policy with a general limit of $1 million may have specific limits within the policy for product liability, employee injury, and other types of coverage. It is essential to know what each limit covers so you are not left high and dry if you need to file a claim.

When Raising Your Limits Is a Smart Move

Ultimately, understanding insurance limits and deductibles comes down to two questions: What is the worst-case scenario, and can your business survive it? As your business grows, so do your risks, and your insurance limits should grow with it. If you are expanding, launching new products, or taking on larger contracts, it is time to reassess the policy limits. Adjusting coverage to match the new reality could save you headaches down the road.

Business insurance is not a one-size-fits-all solution. It should match your unique business needs, and limits and deductibles should be re-visited as the business evolves. The right coverage gives you peace of mind to focus on what matters most – running your business. Our agents are licensed professionals who can review your business policies and help ensure you have the right coverage, including limits and deductibles.

Source: www.insuranceneighbor.com/5-things-business-owners-should-know-about-insurance-limits-deductibles/

June 10, 2025/by A.C. Marmo & Sons

Safety, Tips

The Most Common Items Boaters Never Maintain—And Why It Could Cost You

Boating is one of life’s great pleasures—gliding across open water, enjoying the sun, and embracing the freedom that comes with being your own captain. But any seasoned boater will tell you that your time on the water is only as enjoyable as the condition of your boat. And the truth is, too many boat owners unknowingly neglect essential maintenance tasks. Over time, that neglect doesn’t just affect performance—it can compromise safety, lead to expensive repairs, or even result in catastrophic breakdowns on the water.

Let’s dive into the most commonly overlooked maintenance tasks and components that deserve your attention. If you own a boat—or plan to—it’s worth checking this list and making a few adjustments before your next voyage.

The Battery System

Ask any marine mechanic what brings customers into their shop after a boat has been sitting idle, and “battery issues” will likely top the list. Unlike car batteries, marine batteries face unique challenges: saltwater exposure, long periods of disuse, and the power demands of electronics.

What gets overlooked:

Checking electrolyte levels
Corroded terminals
Charging cycles and proper storage
Battery switches and cable connections

Why it matters:
A dead battery on land is a nuisance. On the water, it can be dangerous—especially if it powers your bilge pump, navigation systems, or VHF radio. At the very least, always test and charge your battery before every outing, and inspect for corrosion or swelling.

Bilge Pump and Float Switch

The bilge pump is your last line of defense against flooding. Many boaters assume it’ll work when needed, but it’s one of the most neglected pieces of equipment.

What gets overlooked:

Cleaning the bilge area (debris clogs the pump)
Testing the float switch
Ensuring power supply is functional
Checking the pump’s capacity and condition

Why it matters:
A non-functional bilge pump can allow your boat to take on water and potentially sink. Even a small leak can overwhelm a faulty or clogged pump.

Fuel System and Fuel Filters

Fuel-related issues are the number one reason boats fail to start. Contaminated or old fuel can wreak havoc on your engine, and ethanol-blended fuels exacerbate the problem by attracting water.

What gets overlooked:

Replacing fuel filters (especially water-separating ones)
Inspecting fuel lines for cracks or brittleness
Draining or treating fuel during off-season
Checking tank vent for clogs

Why it matters:
A clogged or degraded fuel line can cause poor engine performance or complete engine failure. Regular inspection and fuel stabilizer can keep your fuel system healthy.

Propeller and Lower Unit

It’s easy to forget about the propeller and lower unit, especially if the boat is trailered. But even minor damage or imbalance can seriously affect performance.

What gets overlooked:

Dings or bends in the prop
Fishing line wrapped around the shaft
Worn prop bushings
Corrosion on the lower unit

Why it matters:
A damaged prop can lead to vibration, reduced speed, or engine strain. Fishing line entangled around the shaft can cut seals and cause water intrusion into the gearcase.

Steering System

Most boats use either hydraulic or cable steering systems. Both need regular inspection and maintenance—especially in saltwater environments.

What gets overlooked:

Hydraulic fluid levels and leaks
Cracked or corroded cables
Stiffness or binding in steering
Lubricating steering pivot points

Why it matters:
Imagine trying to navigate tight quarters with stiff or unresponsive steering. That’s a real safety risk, especially in emergency maneuvers.

Trailer Maintenance

If you trailer your boat, don’t neglect the trailer itself. After all, your boat spends nearly as much time on the trailer as it does in the water.

What gets overlooked:

Tire pressure and dry rot
Rusted or corroded brake components
Wheel bearings (greasing or replacing)
Trailer lights and wiring

Why it matters:
A trailer failure on the highway can cause an accident, damage your boat, or leave you stranded. Regular maintenance also extends the life of your trailer investment.

Anodes (Sacrificial Zincs)

If you boat in saltwater, sacrificial anodes protect your metal components (like your prop shaft and trim tabs) from galvanic corrosion.

What gets overlooked:

Regular replacement of worn anodes
Correct type of anode for the water (zinc, aluminum, magnesium)
Placement and surface contact

Why it matters:
If your anodes are gone, your engine and underwater gear are next. Corrosion damage can be devastating and expensive.

Impeller and Cooling System

Your boat’s impeller pumps water to cool the engine. But impellers don’t last forever, and when they fail, they can cause your engine to overheat quickly.

What gets overlooked:

Replacing the impeller regularly (usually every 1-2 seasons)
Checking for debris or salt buildup in the cooling passages
Flushing the cooling system after saltwater use

Why it matters:
An overheated engine can suffer permanent damage. Flushing and impeller maintenance are simple but crucial.

Electrical Connections and Wiring

Marine environments are brutal on electrical systems. Moisture, vibration, and corrosion are constant enemies.

What gets overlooked:

Corrosion at connectors and terminals
Frayed or exposed wiring
Moisture intrusion in switches or fuses
Unlabeled or undocumented wiring

Why it matters:
Faulty wiring can lead to short circuits, power loss, or even fires. Keep connections clean, dry, and tight—and label everything.

Canvas, Upholstery, and Covers

Not all maintenance is mechanical. Your boat’s canvas and upholstery need love too, especially if you want to preserve resale value and aesthetics.

What gets overlooked:

Cleaning and UV protection for canvas
Mold and mildew in cushions and compartments
Tears in upholstery seams
Replacing zippers and snaps before failure

Why it matters:
Water intrusion and sun damage can quickly ruin interiors. Regular care keeps your boat looking good and helps avoid costly replacements.

Fire Extinguishers and Safety Equipment

It’s easy to forget about your fire extinguishers, flares, life jackets, and emergency gear—until you really need them.

What gets overlooked:

Fire extinguisher charge level and expiration date
Flares that are expired or damp
Moldy or torn life jackets
First-aid kits missing key supplies

Why it matters:
Safety gear is legally required and vital in an emergency. Don’t wait until you’re in a crisis to find out something isn’t working.

Navigation Lights and Horn

You may not think about your navigation lights until you’re caught out after dark, but they’re essential for legal operation and safety.

What gets overlooked:

Burned out bulbs or broken lens covers
Horn not functioning or corroded
Loose or corroded wiring

Why it matters:
You can be cited—or worse, involved in a collision—if your lights or horn aren’t working when visibility is low.

Anchor and Line

Anchors don’t get used every trip, which is exactly why they’re easy to forget. But when you need one, it better work.

What gets overlooked:

Fraying or weakened anchor line
Knots or tangles in the rode
Rusted shackles or bent flukes
No secondary (backup) anchor onboard

Why it matters:
A faulty anchor system can make you drift into rocks, other boats, or dangerous areas. Check it regularly, and store it for easy deployment.

Hatches and Seals

Leaks often come from neglected hatches and windows. Sun, salt, and wear can dry out seals and gaskets.

What gets overlooked:

Cracks in hatch covers
Warped or leaking seals
Mold and water staining in compartments
Loose latch mechanisms

Why it matters:
Leaks lead to mold, corrosion, and ruined gear. Check all hatches and windows during spring commissioning.

Documentation and Registration

Boat maintenance isn’t just physical—it’s administrative too. Lapsed documentation or insurance could leave you unprotected or non-compliant.

What gets overlooked:

Expired registration
Outdated decals
Missing proof of insurance
Incomplete service records

Why it matters:
Getting stopped by the Coast Guard or marine patrol without your paperwork in order can lead to fines—or worse, being denied the right to operate your boat.

Preventative Maintenance Saves Time, Money, and Headaches

Boating should be fun, not stressful. Staying ahead of these commonly neglected maintenance items can dramatically improve your experience, extend the life of your vessel, and even save lives in an emergency.

Here’s a quick checklist you can start with:

✔ Check battery terminals and charge levels
✔ Test bilge pump and float switch
✔ Inspect fuel lines and replace filters
✔ Examine your prop for dings and damage
✔ Grease wheel bearings on your trailer
✔ Replace sacrificial anodes if worn
✔ Flush cooling system and inspect impeller
✔ Clean and protect canvas and vinyl
✔ Test all electrical connections
✔ Review and update your safety gear

Whether you’re a weekend boater or a full-time mariner, making time for these routine checks can prevent major headaches down the line. A little attention now can keep you off the rocks—literally and financially.

Need help protecting your boat with the right insurance coverage? Reach out to us to get a free quote and learn more about how we help boaters navigate risk with confidence.

May 8, 2025/by A.C. Marmo & Sons

Insurance, Safety, Tips

Are Natural Disasters Covered? Understanding Your Home Insurance Policy

Homeowners often worry about whether their insurance covers natural disasters. The unexpected can happen at any time, and the impact of severe weather can be devastating. That’s why it’s essential to understand what your home insurance policy covers and where additional protection may be needed. In this blog, we’ll explore how standard home insurance policies handle various natural disasters and whether you should consider extra coverage to ensure your home and belongings are fully protected.

The Basics of Home Insurance Coverage

What Does Home Insurance Typically Cover?

Home insurance is designed to protect your home and personal belongings from a range of risks. Most standard policies cover a variety of perils, including:

Fire and Smoke Damage: Damage caused by fire or smoke is typically covered, allowing you to repair or rebuild your home.

Theft and Vandalism: If someone breaks into your home and steals your possessions, your policy can help reimburse you for those losses.

Wind and Hail Damage: Damage from windstorms or hail is usually covered under a standard policy, including damage to your roof, siding, and windows.

Liability Protection: Home insurance also provides liability coverage in case someone is injured on your property and decides to sue you.

However, when it comes to natural disasters, coverage can vary significantly based on the type of disaster and your specific policy. Let’s break down some of the most common natural disasters and how they are typically treated in home insurance policies.

Floods: Not So Easy to Cover

Understanding Flood Insurance
Floods can be incredibly destructive, and unfortunately, they are not covered by standard home insurance policies. This is a crucial point for homeowners to understand. If you live in a flood-prone area or near a body of water, it’s essential to consider obtaining separate flood insurance. Here are some key points to keep in mind:

1. National Flood Insurance Program (NFIP): The NFIP is a federal program that offers flood insurance to homeowners, renters, and businesses. If you live in a participating community, you can purchase flood insurance through the NFIP.

2. Coverage Limits: Flood insurance policies generally have specific coverage limits for both the structure and personal property. It’s important to review these limits to ensure they meet your needs.

3. Waiting Period: Most flood insurance policies have a waiting period of 30 days before coverage takes effect. Be sure to plan ahead and secure your policy well in advance of any potential flooding.

4. Understand Your Risk: Even if you don’t live in a high-risk flood zone, floods can occur anywhere. Consider your risk level and discuss flood insurance options with your insurance agent.

Earthquakes: A Different Kind of Risk

Earthquake Insurance Explained
Like floods, earthquake damage is typically not covered by standard home insurance policies. If you live in an area prone to seismic activity, you may want to consider purchasing earthquake insurance. Here’s what you should know:

1. Separate Policies: Earthquake insurance is usually sold as a separate policy or endorsement to your standard home insurance. Check with your insurer to see what options are available.

2. Coverage Limits and Deductibles: Earthquake insurance policies often come with higher deductibles than standard home insurance. It’s essential to review your policy terms and understand what is and isn’t covered.

3. Types of Coverage: Earthquake insurance typically covers damage to your home’s structure, personal belongings, and additional living expenses if you need to temporarily relocate due to damage.

4. Evaluate Your Risk: If you live in a seismic zone, consider the likelihood of an earthquake and the potential damage it could cause. Investing in earthquake insurance can provide peace of mind and financial protection.

Hurricanes: Coverage Can Vary

Navigating Hurricane Coverage
Hurricanes can cause severe damage, so understanding how your home insurance policy handles hurricanes is vital. Here are some key points to consider:

1. Wind Damage Coverage: Most standard home insurance policies cover wind damage caused by hurricanes. This includes damage to your roof, siding, and windows. However, it’s important to review your policy for specific limits and exclusions.

2. Flooding from Hurricanes: While wind damage may be covered, flooding caused by a hurricane is not. If your home is at risk of flooding during a hurricane, you will need a separate flood insurance policy, as mentioned earlier.

3. Hurricane Deductibles: Some states with a high risk of hurricanes may have specific hurricane deductibles. These deductibles can be a percentage of your home’s insured value rather than a flat dollar amount. Be sure to understand how your deductible works in the event of a hurricane.

4. Prepare for the Worst: If you live in a hurricane-prone area, consider taking proactive steps to protect your home, such as reinforcing your roof, installing storm shutters, and securing loose outdoor items.

Tornadoes: What You Need to Know

Tornado Coverage Basics
Tornadoes can strike quickly and cause significant damage to homes. Fortunately, most standard home insurance policies cover tornado damage, but there are key considerations:

1. Wind Damage Coverage: Tornadoes are classified as windstorms, so damage from tornadoes is typically covered under most home insurance policies.

2. Debris Removal: Many policies also cover the cost of debris removal after a tornado, which can help you manage cleanup efforts.

3. Additional Living Expenses: If your home is severely damaged and you need to temporarily relocate, your policy may cover additional living expenses, such as hotel stays and food costs.

4. Review Your Policy: As with any natural disaster, it’s important to review your policy to understand your coverage limits and any exclusions that may apply.

Wildfires: Coverage Considerations

Wildfire Insurance Insights
In areas prone to wildfires, homeowners need to be aware of how their insurance policy handles fire damage. Here are some key points:

1. Fire Damage Coverage: Most standard home insurance policies cover fire damage, including damage caused by wildfires. However, the extent of coverage may vary based on your specific policy and location.

2. Risk Assessment: If you live in a high-risk wildfire area, your insurer may assess your property’s risk and adjust your premium accordingly. Homes in fire-prone areas may face higher premiums due to the increased risk.

3. Mitigation Measures: Taking steps to reduce wildfire risk—such as creating defensible space around your home, using fire-resistant materials, and maintaining a well-kept landscape—can help lower your insurance costs and improve your safety.

4. Review Your Policy: As with other natural disasters, be sure to review your policy to understand your coverage for fire damage and any specific exclusions or limitations.

Additional Coverage Options

Exploring Endorsements and Riders
If you live in an area prone to natural disasters, you may want to consider additional coverage options to enhance your protection. Here are some options to explore:

1. Endorsements: Many insurance companies offer endorsements that can be added to your policy to provide additional coverage for specific risks, such as earthquakes or floods.

2. Riders: Riders are similar to endorsements and can provide additional coverage for personal belongings or specific types of damage. For example, you might consider a rider for valuable items like jewelry or art that may not be fully covered under a standard policy.

3. Comprehensive Coverage: Some insurers offer comprehensive policies that provide broader coverage for natural disasters and other perils. Be sure to discuss your options with your insurance agent to find a policy that meets your needs.

4. Stay Informed: Regularly review your coverage and stay informed about changes in your area’s risk of natural disasters. This will help you make informed decisions about your insurance needs.

Preparing for Natural Disasters

Taking Action Before Disaster Strikes
Preparation is key when it comes to natural disasters. Here are some proactive steps you can take to protect your home and belongings:

1. Create an Emergency Plan: Develop a family emergency plan that outlines how to respond in the event of a natural disaster. Ensure everyone in your household knows what to do and where to go.

2. Inventory Your Belongings: Keep a detailed inventory of your home’s contents, including photos and receipts. This will help expedite the claims process if you need to file a claim for damaged or lost items.

3. Secure Important Documents: Store important documents, such as insurance policies, identification, and financial records, in a safe place. Consider keeping digital copies in a secure cloud storage service.

4. Stay Informed: Stay informed about weather forecasts and potential natural disasters in your area. Sign up for local alerts and warnings to stay updated on any imminent threats.

Understanding whether natural disasters are covered by your home insurance policy is crucial for protecting your property and peace of mind. While standard policies cover many perils, specific disasters like floods and earthquakes often require additional coverage. By familiarizing yourself with your policy, exploring endorsements, and taking proactive steps, you can ensure that you’re adequately protected against the unexpected.

Home insurance is more than just a policy—it’s a crucial safety net that ensures security and peace of mind during uncertain times. By understanding your coverage needs and staying informed about potential risks in your area, you can take proactive steps to safeguard your home and loved ones. Preparation is key, and having the right insurance in place can make all the difference when disaster strikes. Your home is your sanctuary—let us help you protect it against life’s unpredictable moments.

April 17, 2025/by A.C. Marmo & Sons

Uncategorized

The Answers to Common Questions About Motorcycle Insurance

The_Answers_to_Common_Questions_Abut_Motorcycle_Insurance

Owning a motorcycle brings a sense of freedom and excitement, but it also comes with responsibilities, including the need for proper insurance coverage. Motorcycle insurance is essential for protecting yourself, your bike, and others on the road. Many riders have questions about how motorcycle insurance works, what it covers, and how to choose the right policy. Below, we answer some of the most common questions about motorcycle insurance to help you make informed decisions.

What Does Motorcycle Insurance Cover?

Motorcycle insurance typically includes several types of coverage to protect against various risks. These may include:

Liability Coverage – Covers bodily injury and property damage to others if you are at fault in an accident.
Collision Coverage – Pays for repairs to your motorcycle if you are involved in an accident, regardless of fault.
Comprehensive Coverage – Protects against non-collision-related damages such as theft, vandalism, or weather-related incidents.
Uninsured/Underinsured Motorist Coverage – Provides protection if you are involved in an accident with a driver who lacks adequate insurance.
Medical Payments Coverage – Helps cover medical expenses for you and your passengers in the event of an accident.
Accessories and Custom Parts Coverage – Covers modifications, upgrades, and custom parts added to your motorcycle.

Is Motorcycle Insurance Legally Required?

Yes, motorcycle insurance is required in most states, similar to auto insurance. The minimum requirements vary by state but typically include liability coverage for bodily injury and property damage. Some states also require uninsured/underinsured motorist coverage. Failing to carry adequate insurance can result in fines, license suspension, or legal penalties.

How Is Motorcycle Insurance Different from Auto Insurance?

While motorcycle and auto insurance share similarities, they have key differences. Motorcycles generally have higher accident risks due to their smaller size and lack of enclosed protection. As a result, motorcycle insurance often includes specialized coverage options such as helmet and safety gear protection. Additionally, policies may have different premium structures based on riding habits, seasonal usage, and bike type.

How Are Motorcycle Insurance Rates Determined?

Several factors influence the cost of motorcycle insurance, including:

Rider’s Age and Experience – Younger and less experienced riders typically face higher premiums.
Type of Motorcycle – Sportbikes and high-performance motorcycles usually cost more to insure due to increased risk.
Location – Urban areas with higher accident and theft rates may lead to higher insurance costs.
Driving Record – A clean driving history can result in lower premiums, while violations or accidents may increase costs.
Coverage Limits and Deductibles – Higher coverage limits and lower deductibles typically result in higher premiums but provide greater protection.

Are There Discounts Available for Motorcycle Insurance?

Yes, many insurance providers offer discounts to help reduce premiums. Some common discounts include:

Multi-Policy Discount – Bundling motorcycle insurance with auto or home insurance can lead to savings.
Safe Rider Discount – Completing a motorcycle safety course may qualify you for lower rates.
Anti-Theft Discount – Installing security devices such as alarms or GPS trackers can lower theft risk and premiums.
Loyalty and Renewal Discounts – Long-term policyholders or those who renew their policy with the same insurer may receive discounts.

Does Motorcycle Insurance Cover Passengers?

It depends on the policy. Some motorcycle insurance policies include coverage for passengers under medical payments or personal injury protection (PIP). If you frequently ride with a passenger, it’s essential to confirm with your insurer whether they are covered and, if not, add the necessary protection.

What Happens if My Motorcycle Is Stolen or Damaged by Weather?

If you have comprehensive coverage, your policy will help pay for damages or replacement if your motorcycle is stolen, vandalized, or damaged due to weather events such as hail or flooding. Without comprehensive coverage, you would be responsible for the costs out of pocket.

Can I Pause My Motorcycle Insurance in the Off-Season?

Some insurers allow you to adjust your coverage during the off-season if you don’t ride year-round. You may be able to reduce coverage to comprehensive-only, which protects against theft and damage while the bike is stored, without paying for liability or collision coverage when the motorcycle isn’t in use.

How Can I Find the Best Motorcycle Insurance Policy?

To find the best policy for your needs:

Compare Quotes – Get quotes from multiple insurers to find the best balance of coverage and affordability.
Assess Your Coverage Needs – Consider factors such as your riding habits, bike value, and risk tolerance.
Check Customer Reviews – Research insurer reputation, customer service, and claims handling.
Consult an Insurance Agent – Speaking with an experienced insurance agent can help you understand policy options and make informed decisions.

Motorcycle insurance is a crucial part of responsible riding, providing financial protection against accidents, theft, and liability claims. Understanding your coverage options and asking the right questions ensures you get the best policy for your needs. If you’re unsure about which coverage is right for you, working with a knowledgeable insurance provider can help you navigate your options and secure the protection you need on the road.

March 20, 2025/by A.C. Marmo & Sons

Insurance, Tips

A.C. Marmo & Sons LOVES Insuring Your Life!

Life is the most precious gift, and at A.C. Marmo & Sons, we love insuring yours! This month, we’re sending heartfelt love and gratitude to each of our loyal clients. Thank you for welcoming us into your families and homes—it’s truly an honor to provide you with the protection and peace of mind you deserve, especially in uncertain times.

Coverage You Can Count On

We take pride in offering a variety of impactful services tailored to your needs. Here are just a few of the coverages we provide:

[Homeowners Insurance]: Safeguard your home with customized plans that provide reliable protection when you need it most.
[Life and Health Insurance]: Ensure your loved ones’ future with comprehensive [life/health] coverage designed for your reassurance.
[Business Insurance]: Protect your business or assets with tailored solutions that let you focus on growth and success.

Whether it’s protecting your home, your family, or your dreams, we are here to ensure you feel supported every step of the way.

We’re Here for You

Got questions? We’d love to answer them. Have concerns? Let us address them. At A.C. Marmo & Sons, insuring you isn’t just our job—it’s our passion.

Get to know us better, and let us provide the protection you so deeply deserve. Visit us online, call, or stop by.
https://www.acmarmo.com/ | Fairfield- (973) 340-9100, 350 Passaic Avenue, Fairfield NJ 07004 | Lavallette- (732) 793-7530, 1605 Grand Central Avenue, Suite #3 Lavallette, NJ 08735

Thank you for trusting us with what matters most. We love serving you and look forward to continuing to support you!

February 13, 2025/by A.C. Marmo & Sons

Posts

5 Things Business Owners Should Know About Insurance Limits and Deductibles

The Most Common Items Boaters Never Maintain—And Why It Could Cost You

Are Natural Disasters Covered? Understanding Your Home Insurance Policy

The Answers to Common Questions About Motorcycle Insurance

A.C. Marmo & Sons LOVES Insuring Your Life!

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