Posts by esPozz54fG
Halloween Safety Tips for Homeowners
Halloween is almost upon us! While our children look forward to this holiday full of festivities, costumes and candy it is important that be mindful of the added liability exposure this day brings to your home. We don’t mean to spoil the fun, but there are a few tips you should follow in order to…
Read MoreWhy Do I Need Insurance to Cover Uninsured or Underinsured Drivers?
Uninsured/underinsured motorists coverage on an auto policy (also known as UM/UIM) is an important coverage component all drivers should have. This coverage protects drivers in situations where they are involved in an auto accident with a driver who carries minimal insurance limits or is driving without any insurance at all (a common occurrence, unfortunately). Understanding…
Read MoreWhat Type of Insurance Do Young Adults Need?
More Than Just Auto Insurance… Young adults need to make sure that they do not under-insure themselves. It is common for younger drivers to pay more for their auto insurance, since they tend to lack road experience and often do not react quickly or correctly in dangerous situations. A common technique many online and direct…
Read MoreWhether Renting or Buying, Consider These Tips for Proper Insurance Coverage
We’ve been seeing continued improvement in the residential real estate market with home sales rising, interest rates continuing at low rates, and the job market showing enough improvement that people are comfortable selling their homes. The New York Times today has posted a useful calculator to help individuals determine whether the economics of buying make…
Read MoreControlling the cost of your auto insurance when you have a teenage or young adult driver
Auto insurance can become very expensive when you add a teenager or other newly licensed driver, such as an au pair, to your policy. Over half of all young males will have an accident in the first year of obtaining a license. Auto insurance companies tend to charge for their presence on the policy with…
Read MoreBuilding Ordinance or Law Coverage
Most home insurance policies include coverage for “building ordinance or law,” a somewhat esoteric and misunderstood coverage that can be essential to putting your home back together after a claim. The average home insurance policy includes 10% of the dwelling amount on a policy at the time of a claim this means that if you…
Read MoreRocco Esposito Feature in SageBroadview
Rocco Esposito, principal at Esposito Insurance, has recently been a guest blogger for SageBroadview, a superior financial planner here in NJ and in CT. http://www.sagebroadview.com/blog
Read MoreGree Dehumidifier Recall
A large manufacturer of many common dehumidifiers sold under various brand names has recently recalled its units because of a risk of fire. Gree Announces Dehumidifier Recall If you are using any of the dehumidifiers listed in the above link, please discontinue their use immediately and contact Gree for a refund. Note that in general,…
Read MoreDistracted Driving Dangers
Philadelphia Insurance has created a short training video on the perils of distracted driving. This has become a serious problem, especially amongst young drivers. Please send this blog post to any young driver, and access the video at https://www.phly.com/Campaign/SafeDriving.aspx.
Read MoreSpace Heater Tips and Risks
A space heater is commonly used to warm a part of a home or office that is colder than desired. Though useful, space heaters can present a fire hazard if not operated correctly. Travelers has put created a short video outlining proper operation of a space heater to minimize the chance of fire. http://www.youtube.com/watch?v=n71gBxat2iw&list=SPsPkdc_BejTgaurMLCAK1cl6C2rBL0D9d
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