Shove Insurance Inc.

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Why renter’s policies are important for landlords

Why renter’s policies are important for landlords

Renter’s policies are a great value For $100-$200 a year tenants can buy a renter’s insurance policy which will protect their personal property and provide them with personal liability coverage. Many tenants don’t realize that their property is not covered by their landlord’s policy. If a fire or any other peril were to damage aRead more about Why renter’s policies are important for landlords[…]

Why is this insured value so high?

Why is this insured value so high?

My building is not worth that amount! Because the insurance premium you pay is a function of the insured value, many policyholders question how the insurance companies come up with the values used on their policies. When discussing the insured value on any building it is important to understand all the different types of valuesRead more about Why is this insured value so high?[…]

Do I need a Personal or Commercial Auto Policy?

Do I need a Personal or Commercial Auto Policy?

When do I need a commercial auto policy? If your vehicle is registered as a commercial auto, if it has a commercial license plate, or if you use it for business purposes you need a commercial auto policy. Personal auto policies generally exclude coverage for “commercial-type vehicles”, vehicles furnished or available for regular business use,Read more about Do I need a Personal or Commercial Auto Policy?[…]

I’ve never heard of that company

I’ve never heard of that company

Independent Agents have access to multiple insurance companies If you go to a direct writer or a captive agent, they can only provide you a quote from ONE company. The policyholder must contact multiple companies in order to compare pricing. Some direct writers offer “price comparison tools” but these tools will only provide the publishedRead more about I’ve never heard of that company[…]

Do you have a wind deductible?

Do you have a wind deductible?

What is a deductible? Most homeowners and business owners understand what a deductible is: the dollar amount the insured must pay on each covered loss to which the deductible applies; the insurance company pays the remainder of the covered loss up to the policy limits. Deductibles allow insurance companies to avoid the time and expenseRead more about Do you have a wind deductible?[…]

Why you should choose an Independent Agent

Why you should choose an Independent Agent

Insurance companies? Agents? What’s the difference? Policyholders often confuse their insurance company and their insurance agent. Why wouldn’t they? They call a number or visit a website and after some research and comparison they get their insurance policy. Whether they deal directly with the insurance company or transact through an insurance agent they still end-upRead more about Why you should choose an Independent Agent[…]

Everything you need to know about RI’s new Liquor Liability Law

Everything you need to know about RI’s new Liquor Liability Law

Does your business serve or sell alcohol? Effective August 1st, 2017 liquor liability is now required in the state of Rhode Island. RI Senate bill 373 Sub A was passed by both the House and Senate during the past legislative session. The purpose of this legislation is to require any applicant or holder of aRead more about Everything you need to know about RI’s new Liquor Liability Law[…]