Category: Blog

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Snow and ice damaging the roof of a home

Does Homeowners Insurance Cover Ice Damage?

By Hanson & Ryan, Inc.

It’s hard to believe, but winter is right around the corner. If you aren’t already, you should be starting to think about what that means for protecting your home from the new season. Snow, sleet, ice, falling debris, and winter storms can cause significant damage to your home and property, and...


Insurance Audits: What You Need to Know

By Hanson & Ryan, Inc.

The term “audit” probably doesn’t conjure up positive feelings when you hear it. But when it comes to insurance audits, they are a common industry practice, and can even bring some insurance savings to your business. Even though they are common, they are often misunderstood. We’re here...


Preparing for and Protecting Your Home from Floods

By Hanson & Ryan, Inc.

A flood can change your life in an instant. It can threaten your home, your financial security, and even the lives of those you love. While you can’t change the weather, you can do your best to prepare for the worst and potentially minimize the damage. Here are some tips to help you do it. Your...

Shelves of liquor

Is Your Business Protected from Liquor Liability?

By Michael Murphy

Did you know that in some states, bars and restaurants can be held liable for injuries or death caused by an intoxicated person to whom they served alcohol? It’s called the Dram Shop Law—and it allows the victim of an intoxicated person to sue not only the perpetrator of the wrongdoing but also...


Sewer Backup Insurance

By Evelyn Galiano

It is one of a homeowner’s worst nightmares – you walk into a room in your home and hear your feet sloshing on wet carpet and see water pooling in the corners. Questions flow through your mind. What happened? What is that smell? Where is the water coming from? How much is it going to cost to...

Team members dressed in 1950s attire pose in front of a classic car

The Ins & Outs of Classic Car Insurance

By Yocasta Garcia

For many car lovers, owning a classic vehicle is a dream come true. If you are lucky enough, you need to make sure it is covered properly in case of any unforeseen incidents. To protect your valuable possession, you need to purchase classic car insurance. What Is Classic Car Insurance? Classic...

man holding hands over family cutout

Personal Umbrella Insurance

By Evelyn Galiano

Personal Umbrella Insurance is an insurance policy you purchase that provides additional liability coverage above the liability coverage that is listed on your auto, homeowners/renters/dwelling, and boat insurance policies. You may be asking yourself “Why would I need an Umbrella Insurance...

Black and white jewelry with colored ring

Valuable Items Coverage – Everything You Need to Know

By Connie Tahinos

Valuable Items Coverage provides a specific amount of insurance for some of your most valuable items in your home. Most people associate this coverage with jewelry, but that is not the case. Valuable Items Coverage provides insurance coverage for Jewelry, Furs, Guns, Fine Art, Cameras, Musical...


Podcast: Protection Planning. Lead with a WHY

By Mark Fontanella

Hanson & Ryan's Mark Fontanella joins The Confident Retirement Podcast with Kris Flammang and Mark Picchi to discuss challenges that clients need to be aware of and think about when getting the proper coverage for their health and personal needs. Listen to learn more about open enrollment,...


What is the Property Coinsurance Clause, and How Does it Apply to You?

By Sean Ryan

The property coinsurance clause found in many commercial and personal insurance policies is a source of great confusion for many policyholders. Yet knowing exactly what it is and how it applies to your policy is vital to ensuring you are accurately insured. The last thing you want is to find out at...