Insurance News

Common Insurance Mistakes Young Families Make

Fri, 05 Jun 2026 17:21:37 GMT

Starting and growing a family comes with many exciting milestones, but it also brings new responsibilities and financial risks. Between busy schedules, growing expenses, and changing priorities, insurance coverage is often overlooked. Unfortunately, small gaps in coverage can create major problems when the unexpected happens.

Keeping the Same Coverage for Too Long

Many young families continue using the same insurance policies they had before getting married, buying a home, or having children. As life changes, insurance needs often change as well. Coverage that worked a few years ago may no longer provide enough protection today.

Underinsuring Personal Property

Families tend to accumulate furniture, electronics, appliances, toys, and other belongings quickly. Many people underestimate the total value of their personal property until they experience a major loss. Creating a home inventory can make it easier to understand how much coverage may be needed.

Choosing Coverage Based Only on Price

It is natural to want affordable insurance, especially with the expenses that come with raising children. However, choosing the lowest-priced policy without understanding the coverage can lead to unexpected out-of-pocket costs later. Deductibles, liability limits, exclusions, and coverage options all matter.

Not Updating Beneficiaries

Life insurance and other financial accounts often require beneficiary updates after major life events such as marriage or the birth of a child. Forgetting to review this information can create complications later and may not reflect your current wishes.

Many young families delay purchasing life insurance because they assume it is too expensive or unnecessary. In reality, life insurance can help provide financial stability for a spouse or children if something unexpected happens. Policies are often more affordable when purchased at a younger age.

Ignoring Liability Protection

As families grow, liability risks can increase as well. Owning a home, hosting guests, having pets, or adding teenage drivers can all increase exposure to liability claims. Reviewing liability limits and discussing umbrella insurance may be worthwhile for some families.

Forgetting to Review Coverage Regularly

Insurance should not be treated as a one-time purchase. Families often experience changes in vehicles, income, home value, and lifestyle over time. Regular policy reviews can help identify gaps and ensure coverage continues to match current needs.

Insurance may not always be top of mind during busy stages of life, but having the right coverage in place can help provide peace of mind and financial protection for your family. Taking a little time to review your policies now can help prevent larger problems later.

Why You May Need Personal Offense Coverage

Fri, 29 May 2026 17:57:00 GMT

In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character, so it’s easier than ever to libel, slander, or invade a person’s privacy. Even if you apologize, you can still be sued. Due to the wide reach of social media, claim damages can be substantial, not to mention the cost of hiring an attorney and other legal fees you would incur.

What’s more, posts or other online comments made by a minor can also be subject to a lawsuit. So if you have teens or other children who use social media, you may be at risk for something they say or write online. Consider the following scenario.

Your son was crushed after being cut from the football team, so he retaliated by writing some false and unflattering comments on social media about the head coach. These comments quickly spread through the school and the community at large. The coach then sued the boy’s parents for harming his professional reputation, a claim that could cost them thousands of dollars in legal fees and damages.

Or imagine this:

You write a scathing online review of a restaurant where you had a poor experience. Though you had some legitimate gripes, you went too far by claiming they served you outdated, potentially rotten meat without offering evidence to support the accusation. In return, the restaurant filed a lawsuit against you, and you’re forced to defend yourself.

Personal offense coverage can provide protection against such situations. Plus, it’s affordable.

What Personal Offense Insurance Covers

While personal offense coverage is included with some policies, it is optional for most coverage levels.

This coverage offers you broad protection against a variety of lawsuits and damages related to a such offenses as:

False arrest, detention, or imprisonment
Malicious prosecution
Libel, slander, or defamation of character
Invasion of privacy
Wrongful eviction or entry

To assess your risk and to learn more about this valuable yet often overlooked coverage option, give us a call today.

Reposted with permission from the original author, Safeco Insurance.

How to Insure a Travel Trailer or Camper for the Off-Season

Fri, 29 May 2026 17:55:21 GMT

For many RV and travel trailer owners, the fall and winter months bring road trips to a pause. Whether you store your camper in a garage, on your property, or at a designated facility, it's important to make sure your insurance coverage adjusts with the change in season.

Even when your travel trailer isn’t on the road, it’s still at risk for theft, weather damage, vandalism, and more. Here's what you should know about insuring your trailer or camper when it’s parked for the off-season.

Don’t Cancel Your Policy Entirely

It might seem like a good idea to cancel your RV insurance during the months you're not using it, especially if you're trying to cut costs, but this can leave you financially vulnerable if your trailer is damaged, stolen, or causes harm while in storage. Most insurance providers recommend keeping coverage in place year-round, but possibly adjusting it during the off-season.

Some carriers may offer “storage-only” or “comprehensive-only” coverage. This option drops liability and collision coverage (which are only needed while driving) but retains protection against non-driving risks like fire, theft, falling objects, or weather-related damage.

Understand Your Storage Location Risks

Where and how you store your camper or trailer matters. An enclosed, climate-controlled facility offers more protection than a driveway or open lot, but even in ideal storage conditions, risks remain. Rodents, storms, or even a fallen tree can lead to costly repairs.

If your trailer is stored off-site, be sure your carrier knows the location, as some RV insurance policies have location-based requirements for off-season coverage to remain valid.

Check Your Personal Property Limits

If you leave valuables like electronics, tools, or gear inside your RV or trailer during storage, make sure your policy covers personal belongings. In some cases, your homeowner insurance or renters insurance may extend some coverage, but this isn't always guaranteed. A conversation with your agent can help you understand what’s included and whether additional protection is needed.

Update Your Coverage Before Hitting the Road Again

Before spring hits and you're ready to travel again, don’t forget to restore your full coverage, including liability and collision, so you're road-legal and protected. Updating your policy takes just a few minutes, and it ensures you're covered from the moment you drive away.

Your camper or trailer may be parked, but that doesn’t mean it’s risk-free. Adjusting your coverage for the off-season can save money while still protecting your investment. Contact us today to review your insurance coverage and make sure you're covered, whether you're on the road or in storage.

Getting Your RV Ready for Spring Travel

Fri, 29 May 2026 17:52:50 GMT

As the weather warms up and the open road starts calling, spring is the perfect time to get your RV ready for travel. Whether you're planning weekend getaways or cross-country adventures, taking the time to properly inspect, clean, and prepare your RV helps ensure a safe and stress-free trip. It’s also a good opportunity to review your RV insurance coverage.

Inspect Your RV Inside and Out

Start with a thorough walk-around of your RV to check for visible signs of wear or damage. Look for cracks, rust, or water damage on the exterior, especially around seams, windows, and roof vents. On the inside, check for signs of leaks, pests, or mold that may have developed over the winter.

Inspect tires for cracks, bulges, or worn treads. Tires can deteriorate even if the RV hasn’t been driven in months, so make sure they're properly inflated and safe for travel. Don’t forget to test your lights, blinkers, and brake systems as well.

Check Your RV’s Systems and Appliances

Reconnect and test your water, propane, electrical, and HVAC systems. Flush and sanitize the water system, especially if it’s been winterized. Check for leaks in the plumbing and ensure your water heater is functioning.

Inspect propane lines and appliances for leaks or other issues, and test the stove, refrigerator, and other systems you’ll rely on during your trip. Plug in the RV to test all of the electrical systems and recharge your batteries if needed.

Clean and restock your kitchen, bathroom, and emergency supplies. Replace expired food and medications, restock first-aid kits, and make sure you have essentials like flashlights, fire extinguishers, tools, and extra fuses on hand.

Double-Check Registration, Licenses, and Roadside Support

Before setting off on your spring travels, make sure all your documentation is up to date. Check the expiration dates on your vehicle registration, driver’s license (especially if a special class is required for your RV), and any applicable inspection or emissions certifications. If your RV hasn’t been on the road in a while, now is also the time to confirm your roadside assistance coverage. Make sure you have access to towing, battery jump-starts, tire changes, and fuel delivery—just in case.

Review Your RV Insurance Policy

Before you start your spring travels, take a moment to review your RV insurance policy. Make sure your coverage is up to date and that it reflects any changes you've made to the vehicle, such as new accessories or upgrades. Depending on how you use your RV—whether full-time, seasonal, or just for occasional trips—you may need different types of coverage, including collision, liability, roadside assistance, or personal belongings protection.

Spring is the perfect season for adventure, and your RV is your ticket to it all. With the right preparation and protection in place, you can hit the road knowing you’ve taken the steps to enjoy a safe, smooth, and memorable journey. If you’re not sure whether your current policy offers enough protection, contact us for a quick insurance review. We’ll help you make sure your RV is properly insured so you can travel with confidence all season long.

Tips for Towing a Boat Trailer to Reduce Accidents and Insurance Claims

Fri, 29 May 2026 17:50:19 GMT

Owning a boat can make weekends and vacations fun and memorable. Follow these tips to help ensure that when you’re towing your boat you’re being as safe as possible to lower the risk of accidents and unwanted insurance claims.

Make Sure Your Vehicle Is Powerful Enough for Towing

Many people underestimate the amount of power they need to tow a boat. It’s actually better to overestimate the power necessary than to fall short. The general rule of thumb is you need at least 15 percent more capacity than the weight of the boat fully loaded plus your trailer.

This gives you a buffer for accelerating during a highway merge, for example, or climbing a steep hill without straining your vehicle’s engine. It also reduces the risk of trailer sway behind your vehicle, which can cause catastrophic accidents.

Invest in a Good Trailer System

Always use the best trailer you can afford, both to protect your boat and to enjoy smooth travel on the road. You want to make sure braking and signaling are integrated with your vehicle, so cars traveling behind your boat know when you’re turning, slowing down, or stopping. Other trailer features are nice, but safety should be paramount when making your selection.

Use Safe Driving Practices Meant for Towing

You can’t drive the way you normally would when towing a boat; instead, you need to use driving techniques meant for towing, such as:

Giving yourself a greater stopping distance to allow for the additional momentum you have with a boat behind you. Don’t tailgate, and slow down if you think you might need to stop soon, such as when you know a yellow light is imminent.
Remember you need more space when changing lanes. Signal first to alert other drivers, and make sure you have room between vehicles for you and your boat. Get in the habit of double checking with your mirrors and performing a shoulder check before you make your final lane change.
Use your directional signals liberally. If you must drive well below the speed limit, use your hazard lights (aka “flashers”) to alert other drivers.
In general, you’ll be going at or below the speed limit, so stay to the center or the right whenever possible, and let other traffic pass you.
Use pull-through parking, so you don’t have to deal with backing up with a boat.

If you don’t have a lot of experience towing a boat, it’s smart to practice in less busy areas before hitting the highway on a packed holiday weekend. Make sure you’re completely comfortable before putting yourself in more high-stress situations. Many areas offer boat trailering classes that are well worth it to give you more tips, practice in controlled environments, and confidence.

Protect Your Car and Your Boat With the Right Insurance

No matter where you’re driving, you want to make sure you’re operating legally and responsibly with the right auto insurance and boat insurance policies in case of an accident. Our independent agents at The Cusmano Agency can help you find the right coverage, so you can enjoy your boat knowing your vessel and the vehicle towing it are properly insured. Give us a call at 203-394-6645 , or request a quote online at any time.

How to Winterize and Properly Store Your Boat

Fri, 29 May 2026 17:48:00 GMT

Your boat is an investment that gives you tons of fun all summer long. But come the cold weather months, you want to make sure it’s properly winterized before you store it, so it’s protected from weather and other hazards. Here’s a quick list of steps you should take before storing.

Decide Whether or Not to Remove It From the Water

Your first winterizing step is to decide if you will be taking the boat out of the water or not, assuming you don’t normally keep your boat on a trailer during the summer season. Removing the boat has multiple advantages:

Prevents ice formation around the hull
Reduces corrosion
Keeps it safer during major storms

Get a Boat Cover

When you’re done winterizing, you’ll need a cover for your boat. Decide from one of these options:

Fitted cover
Plastic or canvas tarp
Professional shrink wrapping

Winterize Water Systems

If you have faucets, showers, live wells, and other fixtures on board, they will need to be prepped for winter. Use the proper marine antifreeze for your boat. Remove all water from your water systems and pump them with antifreeze until it comes out the other end. First-timers may have to have someone teach them how to do this.

Take Care of Any Sanitation and AC Systems

Flush your sanitation system (toilet) with fresh water and treat it with antifreeze. Follow the manufacturer’s instructions. Similarly, use the manufacturer’s manual to winterize your onboard climate control.

Prep Your Inboard or Outboard Motor

To winterize an outboard motor, follow these steps:

Change the lower-unit oil.
Flush the cooling system with water and drain it completely.
Change the engine oil and filter.
Consider fogging the engine with fogging oil for long layups.

For an inboard motor, do this to winterize it:

Remove the raw water intake hose and treat it thoroughly with pink marine antifreeze.
Change the engine oil and filter.
Fog the engine if it’s going to sit for a long time.
Change the gear lube in the stern drive’s lower unit (if you have a stern drive).

Depending on the particular climate where your boat is and the type of engine you have, you'll have to decide about leaving the fuel tank full or empty (a local pro can give you the best advice here). If you leave it full, be sure to add a fuel stabilizer.

Don’t Forget About Your Battery

Whether your battery is left onboard or removed, it should be attached to a trickle charger for the winter. Be sure to follow the voltage instructions for the specific type of battery you have.

Miscellaneous Final Tasks

You’re almost there! A few last jobs:

Scrub your boat inside and out.
Organize your equipment for the spring.
Do a last check for any standing water.
Remove gear that shouldn’t be left on board (fishing rods, electronics, clothing, etc.).

Now, you’re done. Congratulations! Go grab a hot chocolate and dream about summer, knowing your boat is safe until the weather warms up once again.

Don’t forget to ensure your boat has the right boat insurance coverage , no matter where it’s located or what time of year it is. Call The Cusmano Agency at 203-394-6645 to talk to our independent agents about boat insurance today.

Choosing the Right Umbrella Insurance Policy: A Guide to Extra Liability Coverage

Fri, 29 May 2026 17:41:41 GMT

When it comes to personal insurance , most people are familiar with their auto , homeowners , or renters policies. However, fewer may be aware of umbrella insurance —a type of coverage that goes beyond the limits of your existing policies to protect you from substantial financial risk. Choosing the right umbrella policy can provide peace of mind, especially if you have significant assets to protect.

What Is Umbrella Insurance?

Umbrella insurance is designed to offer an extra layer of liability protection, stepping in when your standard insurance coverage limits have been reached. For example, if you are responsible for a major car accident or face a lawsuit due to an injury on your property, the legal costs and damages might exceed your auto or homeowners liability coverage. Umbrella insurance covers these additional costs, ensuring that you’re not left financially vulnerable.

Why You Might Need Umbrella Insurance

The primary purpose of umbrella insurance is to protect your assets from large lawsuits or liability claims. If you have a high net worth or are at greater risk of being sued, umbrella coverage can help safeguard your financial future. Here are a few common scenarios where umbrella insurance could be crucial:

High Liability Risk: If you own rental properties, regularly host guests, or participate in activities that increase your liability risk (e.g., owning a swimming pool or having pets), umbrella insurance can help protect you from lawsuits.
Significant Assets: If your assets exceed the liability limits of your current policies, an umbrella policy is intended to ensure that those assets are protected from being lost in a lawsuit.
Peace of Mind: Even if you’re not wealthy, umbrella insurance provides extra protection for legal expenses and liability claims, giving you the confidence to handle unexpected events.

Factors to Consider When Choosing an Umbrella Policy

The primary reason for purchasing umbrella insurance is to protect your assets. Calculate the value of your assets, including property, savings, investments, and future income, to determine the level of coverage you need. If your net worth is higher than the liability limits of your home or auto insurance, an umbrella policy is essential to cover the gap.

Your lifestyle and circumstances can increase your exposure to liability claims. If you engage in activities that could lead to a higher risk of accidents or lawsuits, such as owning a boat, frequently entertaining guests, or having a dog, an umbrella policy can provide extra protection. Even professions that expose you to public criticism or online interaction, such as bloggers or influencers, may benefit from an umbrella policy to cover defamation risks.

Review Your Current Insurance Policies

Before purchasing umbrella insurance, review the liability limits on your existing policies to ensure they meet the minimum requirements. Most insurers will require you to carry a certain amount of liability coverage on your auto or homeowners policy before you can add an umbrella policy. Umbrella insurance can be surprisingly affordable for the level of protection it provides.

Many life events can signal the need for an umbrella policy. If you’ve recently purchased a home, accumulated significant savings, or taken on more liability risks, it’s a good time to consider additional protection. Similarly, if you’ve reached a stage in life where you’re worried about protecting your assets for future generations, umbrella insurance can offer invaluable peace of mind.

Choosing the right umbrella policy is about balancing your need for additional liability protection with the risks you face in everyday life. By evaluating your assets, understanding your risks, and reviewing your current insurance coverage, we can help determine the appropriate level of umbrella insurance to provide an extra layer of financial security. Contact us today to review your coverage.

Who Needs Life Insurance and How Much Do You Need?

Fri, 29 May 2026 17:36:27 GMT

It’s an unfortunate fact that life expectancy in the US has dropped recently. This has led many people to examine whether or not they should have a life insurance policy and, if so, how much coverage they should have. Here are some basics about life insurance, intended to help you decide whether it’s the right protection for you and your loved ones.

Do I Need Life Insurance?

Life insurance pays out when you die, providing funds for whomever you name as a beneficiary in the policy. Usually, beneficiaries are spouses or partners and children, although they can be anyone who depends on your income financially to survive, like grandchildren or a sibling with a disability.

Would your family’s home be at risk without you there to provide for them? Would your children be able to attend college? If they would be unable to pay for the things they have now or have planned for the future, life insurance is a must. It will give everyone involved peace of mind knowing they will be okay financially even if the worst happens.

How Much Life Insurance Should I Get?

The general rule of thumb is you should provide at least 6-10 times your income with a life insurance policy. However, you may wish to have more than that if you have a large number of dependents, an expensive mortgage, or other expenses that would be hard for your family to meet after your passing.

A substantial life insurance policy can be very difficult and costly to obtain the older you get because the risk of you needing the policy increases with age. Therefore, starting your policy while you’re still young and healthy is best, giving you time to let it grow without it being a financial burden and to minimize the chance that you’ll be turned down for coverage due to poor health or advanced age.

What Are the Different Kinds of Life Insurance?

There are three basic kinds of life insurance:

Term life insurance - coverage for a specific period of time
Whole life insurance - coverage for your entire lifetime
Universal life insurance - a mix of term and whole life with more flexible premiums

It can be challenging to decide what kind of insurance to purchase and exactly how much to get. That’s why it’s important to work with an experienced insurance agent and not simply buy any old policy online.

Need help finding the personal insurance coverage that’s right for you? Call The Cusmano Agency at 203-394-6645 to get the personalized help you want.

Should I Notify My Insurance Company About a New Puppy?

Fri, 29 May 2026 17:34:31 GMT

Having a new puppy join your household can change your life. The snuggles and kisses make getting up in the middle of the night for potty breaks worth it, but in the whirlwind of change, it’s easy to forget some practicalities. For example, should you inform your insurance company about your new dog? Are there things you can do to keep your puppy safer? What about protecting yourself financially if your dog bites someone? Here’s what you need to know as a dog owner.

A New Puppy and Insurance Coverage

Whether you own your own home or rent, you probably have insurance coverage for the property. And you should definitely let your insurance company know if you have a new puppy because it may change your policy.

First, you want to know if you’re covered for things like damage caused by your dog. Also, you need to find out if you should add more protection (see dog bite liability below).

Pro tip: while you’re inquiring about insurance coverage, it’s worth asking your insurance agent about your vehicle. Are you covered if your pooch chews a hole in the seat (it doesn’t just happen in the movies) or punctures something with its nails?

Keeping Your Pup Safe

Did you know that Great Dane puppies grow as much in a year as the average human does from birth to high school? While your dog may become practically pony-size very quickly, you still need to protect it while it’s tiny. Here are some home puppy-proofing tips, so hopefully, you won’t have to rely on that pet insurance policy:

Remove attractive items like shoes and kids’ toys until your dog learns not to chew on human belongings or can reliably respond to “Leave it!”
Investing in pet gates can protect your puppy from hazards and rooms you want to keep dog-free.
Decide from the start if you want to allow your puppy on the furniture. Once you have a policy, be consistent. It’s perfectly okay to insist your pup sleeps in its own bed and doesn’t romp on your sofa.
Keep your pup on a leash, even at places like the dog park, until its recall (coming when you call its name) is trustworthy. Never walk your puppy off leash in places where this is not allowed, even if you think your dog won’t roam. It can still get into garbage or chase a squirrel into the road.
Seriously consider crate training your puppy. This will give you a safe place to leave your dog in your absence or when you have workers in the house. It’s also great for calming down an anxious or high-energy dog — bonus points for helping with potty training, as dogs generally won’t go where they sleep.
Don’t forget about your yard. It’s best not to leave very young dogs unsupervised there, even for a minute, but you still need to check for toxic plants, gaps in the fence, and other dangers. Make sure gates shut firmly, and consider posting a sign if people enter your yard for landscaping or playtime with kids. Chasing a loose puppy through your neighborhood (they always seem to get away when you’re still in your pajamas) isn’t nearly as fun as it looks!

Find a good vet before you bring your new puppy home or soon thereafter, and they can offer more tips specific to your breed and lifestyle.

The Importance of Dog Bite Liability Coverage

Even the most friendly dog can wind up biting someone if it is scared, or believes it’s defending its owner or home. And of course, some breeds are more protective than others, particularly as they grow, and larger breeds can inflict serious damage with a bite.

That’s why every new puppy owner should discuss dog bite liability coverage with their insurance agent. Your current renters insurance and homeowners insurance policies may cover liability up to a certain amount, but dog owners might want to supplement that with a personal umbrella policy .

Do you need to double check your insurance coverage as a new puppy owner? Call The Cusmano Agency at 203-394-6645 today. We can help ensure you’re properly protected when it comes to your new four-legged household member.

How Independent Agents Are Different from Captive Agents

Fri, 29 May 2026 17:31:57 GMT

When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents . While both can provide insurance services, these two types of insurance agents are not the same, and it's important to understand the differences.

Captive Insurance Agents
A captive agent works for a single insurance company, either as an employee of that company or as an independent contractor. This means that a captive insurance agent will be limited to the specific insurance products offered by that particular company, so they won't be able to help you if you need a type of insurance they don't offer, or shop around to find the best deals on the market. The insurance company may also push certain products, so there is no guarantee that you are truly getting what is best for you, and not just what is best for the company.

Independent Insurance Agents
An independent agent is not controlled by any one insurance company, and instead works with multiple insurers. This means independent agents have access to all of the insurance products and services offered by all of the companies they represent. As a result, it's often the case that an independent agent will be able to help you with all of the products you need, even if those products come from multiple insurance companies.

As an independent insurance agency, we are not bound to a single company and can assist you with insurance products from multiple providers. This enables us to shop around to get you the best possible rates for you. We offer a wide range of insurance products, and we can help tailor a plan that fits your specific needs and budget.

We also take customer service very seriously. If you need to file a claim, we’ll walk with you and work on your behalf throughout the process. We’re available for questions, and we can even regularly review your policy to ensure it is still the best possible fit for you.

To see how an independent insurance agent can help you, or to find out how much you might save by switching, get in touch with us today.

Is Your Home Ready for Severe Weather? How to Protect Your Property

Fri, 29 May 2026 17:29:06 GMT

Severe weather can strike at any time, bringing heavy rain, strong winds, hail, snow, or extreme heat that can damage your home. Preparing your property in advance can minimize potential damage, reduce costly repairs, and keep your family safe. Whether you’re dealing with hurricanes, tornadoes, blizzards, or thunderstorms, here are key steps to protect your home from severe weather.

Secure Your Roof and Gutters

Your roof is your home’s first line of defense against extreme weather. Inspect it regularly for missing or damaged shingles, cracks, or signs of wear. Loose or deteriorating shingles can allow water to seep inside, leading to costly damage. Consider reinforcing your roof with hurricane straps or impact-resistant shingles if you live in an area prone to high winds or hail.

Gutters and downspouts should be clear of debris to prevent water buildup. Clogged gutters can lead to roof leaks and water pooling around your home’s foundation, increasing the risk of flooding. Installing gutter guards can help keep leaves and debris out, allowing water to flow freely.

Reinforce Windows and Doors

High winds and flying debris can easily break windows and doors. Consider installing storm shutters, impact-resistant windows, or heavy-duty doors for added protection. If a storm is approaching and you don’t have storm-resistant windows, boarding them up with plywood can help prevent shattering.

Sealing any gaps around doors and windows with weather stripping or caulk can also prevent water intrusion and improve insulation. This is particularly important for areas prone to hurricanes and extreme cold.

Trim Trees and Secure Outdoor Items

Overhanging tree branches can pose a significant risk to your home during storms. Strong winds or heavy snow can break branches, causing them to fall onto your roof, windows, or vehicles. Regularly trimming branches away from your home reduces the chances of storm-related damage.

Additionally, secure or store outdoor furniture, potted plants, grills, and decorations before a storm hits. High winds can turn unsecured items into dangerous projectiles that can break windows or damage siding.

Prepare for Flooding and Water Damage

Flooding can occur from heavy rainfall, hurricanes, or melting snow, leading to extensive damage. If you live in a flood-prone area, consider elevating appliances and electrical systems in your home. Installing a sump pump with a battery backup can help keep your basement dry during power outages.

Using sandbags and waterproof barriers around entry points can reduce the risk of floodwater entering your home. If your area is prone to flash floods, having an evacuation plan in place is crucial to ensure your family’s safety.

Check Your Home’s Insurance Coverage

Severe weather is unpredictable, but proactive home maintenance and preparation can help reduce risks. By reinforcing your roof, securing outdoor items, preventing water damage, and ensuring proper insurance coverage, you can protect your home and family from costly storm-related damage.

No matter how well you prepare, severe weather can still cause unexpected damage. Reviewing your homeowners insurance policy annually can provide peace of mind, ensuring you have adequate coverage for storms, flooding, and other natural disasters.

Contact The Cusmano Agency for a home insurance policy review. Our experts can help you understand your current coverage and recommend any necessary adjustments so that you can feel confident that your home is properly protected against severe weather.

What to Look for When Buying a House to Avoid Unnecessary Insurance Claims

Fri, 29 May 2026 17:26:28 GMT

If you’re house hunting, you’re probably looking at many elements like the number of bedrooms or how updated the kitchen is. Don’t forget to check for these things too, which which may help avoid home insurance claims should you become the new owner.

An Aging Roof

Roof problems are one of the most common causes of home insurance claims. Serious roof damage often doesn’t just involve the roof itself; it can cause interior damage, especially from leaking water. You don’t want to purchase a home that has an old or faulty roof without getting an adjustment to the price to cover the cost of replacing it.

Poor Chimney Condition

While you’re having the roof inspected, be sure to have a look at the chimney too. Poor chimney and firebox construction or even a dirty chimney can result in a fire.

Faulty Wiring or an Outdated Electrical Panel

Of course, bad wiring or a faulty electrical panel presents an even greater risk of fire. Signs that an electrician might be needed include:

An old electrical panel (especially a model that has been recalled)
Signs of electrical panel failure, like charring or melting
An electrical panel and circuitry that’s not sufficient for modern electrical demands
Overloaded circuits (too many items on one circuit)
Not enough electrical outlets
No GFI outlets in the kitchen and bathrooms
Flickering lights
Lights or outlet use that constantly trips the circuit breaker
Charring, melting, or loose parts around outlets and switches

Plumbing Problems

Water damage is another common source of home insurance claims. Unless you plan to make major repairs, never buy a house that has plumbing problems. Not only could water damage create an insurance hassle for you or even force you out of your home temporarily, but it could also ruin precious, irreplaceable belongings.

Previous Water Damage

One key to the risk of water damage is signs of previous incidents. Check carefully for mold or mildew in the basement, foundation cracks, standing water outside close to the house, warped floorboards and under-sink spaces, poor sink drainage, and brown spots on the ceiling or upper walls (could also be from a leaky roof).

High Radon Levels

Radon is an invisible, radioactive gas that exists naturally below the earth’s surface. If it seeps into your home, it can cause breathing difficulties or even lung cancer. You can purchase inexpensive radon detection kits to monitor radon levels before making a home purchase.

Liability Risks

Most folks are concerned with their own health when purchasing a home. But they should also think about risks to others, like visiting friends or delivery people. These liabilities could result in a lawsuit if someone is seriously injured:

Loose steps
Tripping hazards
Absent or inadequate handrails
Lack of fencing around a swimming pool
Low, weak, or absent railings around decks and balconies
Poor fencing for dogs in the yard

History of Previous Claims

If possible, do your due diligence and find out if a home’s occupants have filed insurance claims in the past. You might find out that what you thought was your dream home is actually uninsurable. Sellers should disclose insurance claim information, but you also may be able to order a report online.

When you do find the home that’s right for you, you’ll want to be certain to insure it properly. The independent agents at The Cusmano Agency offer a wide selection of home insurance options. We can also assist with extra protection like auto insurance , life insurance , and personal umbrella insurance . Contact us at 203-394-6645 to learn more, or request a quote online .

How to Choose the Right Contractor for Home Improvement Projects and Avoid Liability Claims

Fri, 29 May 2026 17:22:45 GMT

If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips.

Get Word-of-Mouth Recommendations

One of the best ways you can find a contractor is to ask friends and neighbors who have done remodels or additions you like. Ask about things like:

Was the contractor punctual and reliable?
Did the project come in on or under budget?
Would they hire the contractor again?

Read Online Reviews

Online reviews are another great resource today for finding contractors. Read reviews carefully, and look at star ratings. One or two disgruntled customers out of hundreds is probably par for the course, but avoid contractors who have lots of bad reviews. Look for critiques such as:

The contractor started the project, but left in the middle to work on another job, extending the completion date beyond the initial agreement.
The job was not completed satisfactorily.
The project went considerably over budget.
The workers arrived late, made a mess in the home, or were rude to clients.
There were safety issues during the project or after its completion (electrical dangers, chemicals or tools left exposed, tripping hazards, etc.).

Hire Experienced Contractors

In general, you want to hire contractors who are more experienced, as they tend to be able to work faster and deal with any unforeseen problems that arise. That also means you want contractors who have done projects similar to yours in the past. If you have a historic home, for example, it may be better to hire someone who has only been in business for a few years, but specializes in historic renovations, rather than going with a 20-year-old firm that has only worked on contemporary homes.

Make Sure Your Contractor Is Licensed and Insured

Your contractor should be licensed as required by law in your region or state. They should also be insured, especially for liabilities. This protects you if someone in your home is hurt while the project is in progress or if there is a safety issue after the job is done. A reputable contractor will happily provide proof of insurance on request.

The contractor’s insurance should cover injuries or damages for which they’re responsible and pay to fix any remaining problems. That way you don’t have to file an insurance claim with your own home insurance. Most states require contracting businesses with multiple employees to have workers' compensation insurance as well, which is intended to help pay for the care of any contractors injured while on the job.

Finally, you can ask your contractor to take out a bond if engaging in a major renovation for you, like an addition, building a second story, or gutting and rebuilding an old property. This can pay you if they do not reasonably adhere to the timeline in your contract, which can have financial repercussions for you. Bonds usually also hold a contractor to certain standards of execution to avoid sloppy work that creates headaches for you years later.

Don’t forget that your homeowner insurance policy should be updated when doing home improvement projects to cover the added value you’ve given the property. Call The Cusmano Agency at 203-394-6645 to speak with an independent agent about insurance protection for your home in case of storms, fire, vandalism, or theft. Ready to start a policy now? Contact us or request a homeowner insurance quote to tell us how we can help you.

The Essential Guide to Creating a Home Inventory: Why and How

Fri, 29 May 2026 17:18:59 GMT

In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner insurance claim process, but also helps in the recovery and replacement of lost items. Understanding the importance of a home inventory and knowing the most effective ways to create one are crucial steps in safeguarding your assets.

Why a Home Inventory is Crucial

A home inventory is invaluable in providing evidence of ownership and the condition of your belongings to your insurance company, ensuring a smoother and faster claims process. In addition, it helps you to accurately assess the value of your possessions, which can also help you determine whether or not your current insurance coverage adequately meets your needs.

Making a Video Inventory

One of the simplest yet most effective methods to document your belongings is by making a video. Walk through each room of your house, filming all items while narrating details such as purchase dates, values, and any unique features. This method provides a visual and verbal record, making it easier to remember and describe items in detail.

Utilizing a Spreadsheet

For those who prefer a more traditional approach, creating a spreadsheet is another practical method. Spreadsheets allow you to categorize items, list descriptions, purchase dates, and estimated values systematically. They are easy to update and can be meticulously organized for quick access.

Organizing by Room

Whether you choose video or a spreadsheet, organizing your inventory by room is a strategic approach. This not only streamlines the process of creating your inventory but also makes updating and locating specific items effortless. Begin with one room and move methodically throughout your home to ensure no major items are overlooked.

Documenting High-Value Items

For expensive belongings like jewelry, art, and high-end electronics, keep electronic copies of serial numbers, receipts, and detailed item descriptions. This additional layer of documentation can help provide proof of ownership and value, which can be critical for high-value item claims.

Reviewing Your Insurance Policy

Creating and maintaining a home inventory may seem daunting, but by following these tips, you can create a comprehensive inventory that brings peace of mind while helping ensure you are well-prepared.

Finally, it's imperative to review your insurance policy regularly to understand your coverage fully. Ensure that your insurance coverage matches the value of your possessions, especially after significant purchases or changes in the value of your items. Contact us today to review your insurance needs.

Avoiding Common Home Insurance Claims During Renovations

Fri, 29 May 2026 17:16:17 GMT

Renovating your home can be an exciting journey, transforming your living space into the dream dwelling you've always wanted. However, amidst the excitement, it's crucial to undertake precautions to avoid common pitfalls that could lead to home insurance claims. By following a few key tips, homeowners can ensure their renovation process is not only smooth, but also secure.

Check for Pipes Before Drilling or Cutting Through Walls

One of the most common mistakes during home renovations is accidentally cutting through water pipes. This can lead to significant water damage, a common cause of home insurance claims. Before you start drilling or cutting, use a stud finder with a built-in metal detection feature to locate pipes behind walls. Additionally, turning off the water supply can mitigate potential damages should an accidental puncture occur.

Adhere to Local Safety Codes

Local safety codes are established to ensure that all construction work is safe and up to standards. Ignoring these codes not only puts you at risk of fines but also potential accidents that could lead to insurance claims. Before beginning any work, check your local building codes and regulations to ensure compliance, especially for structural, electrical, and plumbing works.

Employ a Licensed Electrician

Electrical work is complex and can be dangerous if not done correctly, often leading to electrical fires. Hiring a licensed electrician ensures that all electrical work in your renovation is up to code and safe, significantly reducing the risk of fire and subsequent insurance claims.

Proper Storage of Hazardous Materials

Renovations often involve the use of materials that can be hazardous if not handled or stored correctly, such as paint, solvents, and adhesives. Improper storage can lead to accidents, including fires or health hazards. Ensure these materials are stored in a cool, dry place, away from any sources of ignition and out of reach of children.

Update Your Insurance Policy for New Additions

By following these tips, homeowners can significantly reduce the risk of common insurance claims during renovations. Careful planning, adherence to safety standards, and coordination with your insurance provider are key to a safe and successful renovation project.

It's essential to ensure that your home insurance policy covers the new additions to your home. Renovations can increase the value of your home, and failing to update your insurance policy could mean you're underinsured in the event of a claim. Contact us to review your homeowner insurance policy today.

How Major Life Events Impact Your Insurance Needs

Fri, 29 May 2026 17:12:06 GMT

Life's biggest milestones, like marriage, buying a home, or having children, often bring new financial responsibilities and changes in your insurance needs. To ensure you and your loved ones have the right coverage in place, it's essential to review and adjust your insurance policies as you reach these milestones.

Getting Married: Merging Policies and Adjusting Coverage

When you get married, it’s a good time to consider life insurance if you don’t already have it. With a spouse who may rely on your income, adjusting your life insurance coverage can help provide financial security. Health insurance is another consideration, as many couples may save money by joining a single plan with the best benefits. Additionally, married couples may qualify for discounts on auto insurance , making it a great time to consolidate policies for convenience and savings.

Buying a Home: Ensuring Your Property and Belongings Are Protected

Buying a home is a significant investment, and homeowners insurance is critical to protecting that investment. Homeowners policies can cover the home structure, personal belongings, and liability. However, it’s wise to review the policy to ensure it covers the full cost of rebuilding your home if needed. In certain areas, additional flood or earthquake insurance may be necessary to cover natural disasters not included in standard policies. Homeownership can also make you a candidate for umbrella insurance , which adds an extra layer of liability protection.

Expanding Your Coverage to Protect Your Family’s Future

Having a child introduces new financial priorities, and insurance becomes even more important. Consider increasing your life insurance coverage to support your family’s needs in case the unexpected happens. Health insurance should be updated to cover your child’s medical needs, such as routine check-ups and immunizations. Disability insurance is also worth considering, as it can replace a portion of your income if you’re unable to work due to illness or injury, providing financial security for your family.

Approaching Retirement: Adjusting Policies to Match a New Lifestyle

As retirement approaches, your insurance needs may shift. Health insurance becomes a top priority, and Medicare or supplemental health coverage may be necessary. Life insurance requirements may change if you no longer need to protect dependents, though some keep policies for estate planning. Additionally, long-term care insurance can help cover future expenses related to in-home care or assisted living.

Other life changes, like changes in marital status, large purchases, or moving, also impact your insurance needs. Updating beneficiaries and revisiting life and homeowners policies are essential. Large purchases, such as jewelry or electronics, may require special endorsements on your homeowners insurance. Moving to a new state may bring different insurance requirements or costs, making it wise to review policies.

Life events bring changes, and adjusting your insurance coverage can give you peace of mind. Contact us today to review your policies and keep your coverage in line with your evolving needs.

Insurance Considerations for Newlyweds: Merging Policies and Coverage

Fri, 29 May 2026 17:06:49 GMT

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Starting a new journey together as newlyweds is an exciting time filled with hopes, dreams, and plans for the future. Amidst the whirlwind of changes, it’s crucial not to overlook the practical aspects of merging your lives, especially when it comes to insurance. Addressing your insurance needs as a married couple can ensure you’re both protected and can even save you money. Here are key insurance considerations for newlyweds.

Life Insurance Considerations

Life insurance is a cornerstone of financial planning for married couples. It provides financial security to your spouse in the event of an untimely death, helping cover living expenses, debts, and future plans like education or retirement. Evaluate your existing life insurance policies and consider whether your coverage needs adjustment to reflect your new marital status. You may find that increasing your coverage or purchasing additional policies ensures both partners are adequately protected.

Review Home/Renters Coverage If You Are Moving

Combining households means consolidating belongings under one roof, which can significantly increase the value of your personal property. Review your homeowner insurance or your renters insurance policy to ensure it covers the combined value of your possessions. If you’re moving to a new location, this is also an opportune time to shop for insurance rates and assess the need for additional coverage, such as flood or earthquake insurance, depending on your new home’s location.

Putting a Spouse on Your Auto Policy

Generally, it’s more cost-effective for married couples to combine their auto insurance policies. Adding your spouse to your auto insurance policy can often result in lower premiums due to multi-vehicle discounts and the perception of married drivers as lower risk. Review both policies to determine which offers the best combination of coverage and cost savings, and don’t forget to update your insurer about your marital status and any changes in driving patterns.

Identify Gaps or Redundancies in Your Policies

Merging your lives also means merging your insurance policies, which can sometimes lead to gaps or redundancies in coverage. Take a comprehensive look at your health, dental, disability, and any other insurance policies you both hold. Determine if either of you has benefits the other does not or if you can save money by opting into one spouse’s policy. For example, if both partners have health insurance through their employers, compare the plans to see which offers better benefits or lower costs for adding a spouse.

As newlyweds, your journey together involves not just sharing your hopes and dreams but also responsibly planning for the unexpected. Taking the time to review and adjust your insurance coverage as a married couple can provide peace of mind, allowing you to focus on building your life together with the assurance that you’re both protected. Contact us today to review your coverage.

Swimming Safety: 10 Tips for Summer

Fri, 29 May 2026 17:03:42 GMT

Summer is here and people are flocking to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger.

According to the U.S. Centers for Disease Control and Prevention, about 10 people drown every day — and two of those are children 14 or younger. Even seasoned swimmers can find themselves in dangerous situations, so brush up on these basic safety tips before your first—or next—swim:

Swimming Safety Tips

Consider the swimming level of everyone in your party before selecting a place to swim. Just because swimmers are comfortable in a pool doesn’t mean they can handle swimming in the ocean.
Swim in designated areas with a lifeguard present, and follow any posted warnings or instructions. However, don’t rely on the lifeguard alone. Never leave young children or other inexperienced swimmers unattended or in the care of another child.
Teach children to ask permission before going near the water. If a child is missing, always check the water first.
Young children should wear swim diapers and Coast Guard-approved life jackets. Even still, maintain constant supervision.
Avoid alcohol or drug use during water activities.
Know CPR and other life-saving measures.
Don’t dive into unfamiliar water. You never know what might be below the surface.
In open bodies of water, watch for dangers that just aren’t present in pools. These can include plants and animals, as well as riptides, currents, waves and rapids. If you see someone in danger, reach out to them with a pole or tree branch – anything that extends your reach – or throw them a floating object while someone else alerts the lifeguard. Wading in yourself could put you in just as much danger, so leave the water rescues to the professionals.
Don’t swallow the water, no matter where you’re swimming. It could cause illness.
Check the weather and be aware of changing and potentially dangerous conditions.

If you happen to have a pool on your property (lucky you), you have even more responsibilities. Your pool should be completely surrounded by a locking fence, at least 4 feet tall, and all pools and spas should have compliant drain covers. Keep life-saving equipment, such as life rings and poles, within easy reach. If you have a small kiddie or wading pool, be sure to empty it after each use. A baby can drown in just 1 inch of water.

Summer fun in and around the water is for people of all ages — just keep in mind that some people need more supervision than others, and everyone needs to keep safety in mind at all times. Happy splashing!

Reposted with permission from the original author, Safeco Insurance.

What to Do if You Hit a Deer While Driving

Fri, 29 May 2026 16:58:57 GMT

Hitting a deer can be a startling and dangerous experience, especially if it happens unexpectedly on a quiet road or at high speed. Unfortunately, these incidents are fairly common, particularly in areas with high wildlife populations or during certain times of the year when deer are more active. Knowing what to do after the collision can help protect your safety, reduce stress, and make the aftermath easier to manage.

The first step is to make sure you and your passengers are safe. Check for injuries and call 911 if anyone is hurt. Turn on your hazard lights, and if your car is still drivable, move it to the side of the road. Stay inside the vehicle if you're near traffic and wait for help to arrive. If the crash is serious or your car can’t be moved, use cones or flares if you have them to warn oncoming traffic.

Do Not Approach the Deer

It may be tempting to check on the deer, but you should never approach an injured or stunned animal. Even if it appears still, it could react suddenly and cause injury. Instead, contact local law enforcement or animal control to report the accident. They can respond to the scene and handle the situation safely. A police report may also be helpful when filing your insurance claim.

Call Your Insurance Company

Take photos of the damage to your vehicle, the surrounding road conditions, and the deer if it is still visible. Write down the time, location, and any relevant details, such as weather conditions or nearby landmarks. If there are any witnesses, get their names and contact information. Clear documentation will make the claims process much easier and help support your case if needed.

After ensuring safety and reporting the incident, contact your insurance carrier as soon as possible. Most comprehensive auto policies cover collisions with animals, but it's still a good idea to confirm your specific coverage. Keep your photos, notes, and police report handy. If your policy is with us, we can guide you through the next steps and help with any questions along the way.

Prepare for the Future

While it's impossible to prevent every accident, you can take steps to minimize the risk of future wildlife collisions. Stay alert, especially at dawn and dusk. Use your high beams when safe to do so, and scan the sides of the road for movement. Keep your speed reasonable in wooded or rural areas where deer are common.

It’s also wise to have a stocked emergency kit in your car. Include items like a flashlight, reflective warning triangles, first aid supplies, a phone charger, a water bottle, and a thermal space blanket to stay safe and comfortable in case you’re stuck waiting for help. Being prepared can make a difficult situation a lot more manageable.

If you’ve been in a collision or want to make sure your current coverage aligns with your needs, contact us today to review your auto insurance policy. It's a good time to ensure your insurance is current and that your policy fits your driving habits and risks.

The Importance of Uninsured and Underinsured Motorist Coverage

Fri, 29 May 2026 16:38:10 GMT

Your auto insurance is one of the most important elements of your personal insurance portfolio. But some people purchase only the minimum required liability coverage, not realizing they may be leaving themselves open to huge bills for damage to their own vehicles after an accident. Here’s how you can better protect yourself with uninsured and underinsured motorist coverage.

How Claims Usually Work After an Accident

Most states in the U.S. require some type of auto liability insurance to register a vehicle and drive legally. This type of auto insurance can help pay for medical care and damage if another motorist is hurt or their property is damaged.

The insurance of the person at fault in an accident typically covers liability for the other party. Say you miss a stop sign and hit another car. The person in the other vehicle has a minor injuries and significant damage to the side of their minivan. A claim is filed with your insurance carrier, which checks the police report and, after determining that you were indeed at fault, writes a check to the other party in the accident.

Likewise, if another party hits you, and they are at fault, their insurance typically pays for your medical bills, doctors’ appointments, lost work days, and repairs to your vehicle.

What Happens If Someone Without Insurance Hits You?

Insurance works well, like in the scenarios above, when everyone has at least the minimum liability coverage required by their state. However, each state sets its own requirements for mandatory liability coverage, some being higher than others.

If someone without insurance or with a low state requirement hits you and is at fault in an accident, what happens then? Maybe they have no auto insurance at all. Or perhaps they have $25,000 in property damage coverage, but your new $60,000 car is totaled in the accident. How do you make up the difference?

In some cases, you could go to court to sue the other driver for damages. But those cases can go on for months or even years, with no guarantee of a win. If the person you’re suing doesn’t have the money — maybe they’re unemployed, which is why they were driving without insurance — how would they pay a court judgment that awards money to you? How would you cover the replacement of your vehicle, which you need to get to work every day and are still making payments on to your auto lender?

How to Better Protect Yourself with Extra Coverage

There is a solution: uninsured and underinsured motorist coverage. While a few states make this mandatory, many make it optional. We suggest it should be an essential part of your auto insurance coverage, precisely for the hypothetical situation described above. Uninsured and underinsured motorist insurance can help protect you when the other party has no auto insurance or doesn’t have enough to cover your injuries or damages.

Our independent agents at The Cusmano Agency will work with you to make sure you have the right protection, between liability insurance, collision insurance, comprehensive coverage, and uninsured/underinsured motorist coverage. Call us at 203-394-6645 today, or request a quote online, and be sure to ask about protection if you’re hit by someone without insurance.

Renting vs. Owning a Home: Protect Your Property No Matter Which You Prefer

Fri, 29 May 2026 16:34:40 GMT

If you’re on the fence about renting or owning a home, here’s a helpful look at the upsides of each option. Remember to get the right insurance when you make your choice, so your property is fully protected.

The Advantages of Renting

When you rent, you don’t have to commit to a neighborhood or a city. Don’t like your current digs? No problem — you can try somewhere else with a minimum of fuss. If you want to explore your state or experience life in different parts of the US, renting is your best bet. You can experiment with different types of homes too, whether you want a modern high-rise or a little house with a yard.

Securing a rental residence is usually easier than buying a house. While the two may be equally competitive, you don’t have to obtain a loan or go through inspections and closing. Most landlords will check your credit and employment, and that’s about it.

Renters also don’t have to worry about fixing things around the home because those chores are largely the responsibility of the landlord. If the roof needs replacing or the hot water heater fails, you don’t have to shell out any cash. Usually, even the appliances are owned by the landlord, so they have to take care of them.

The Pros of Owning a Home

Owning your home gives you a lot more freedom when it comes to your lifestyle and how you want your home to look. You can paint inside and out, change the landscaping, and put in new appliances, or you can do a whole remodel if you like. You don’t need anyone’s permission to swap out a light fixture or put new hardware on the kitchen cabinets.

It’s much easier to own pets if you are a homeowner too. Other than local laws about the number of animals you can keep, you are free to have several large dogs or multiple cats, as well as other types of pets like birds, reptiles, or even horses.

You usually have more stability as a homeowner. When you rent, there’s the possibility that the landlord could sell the property, forcing you to move elsewhere. But when you own, you can keep the home for decades or even make it your family estate for multiple generations.

One of the biggest r easons people elect to buy a home is that it is usually an investment that increases in value over time. If you can ride out the ups and downs of the real estate market that occur every few years, you can make a profit on the home by selling it, renting it out, or cashing out your equity for other financial needs. If you ultimately pay off your mortgage, you own the home outright, meaning you no longer have to budget for monthly housing costs.

Home and Renters Insurance Is Essential

Whether you decide home ownership or renting is right for you, make certain to protect your property with the right insurance. Home insurance covers your dwelling as well as its interior; renters insurance protects your belongings when someone else owns the building you live in. Both types of policies should also cover your belongings inside your home—we can help find a policy to ensure you're covered.

To learn more about home or renters insurance, call The Cusmano Agency at 203-394-6645 . We’ll help you protect your property by finding a policy that meets your unique needs.

Insurance Tips for First-Time Homebuyers

Fri, 29 May 2026 16:24:37 GMT

Buying your first home is an exciting milestone, but it also comes with a learning curve, especially when it comes to homeowners insurance . With so many options and coverages to consider, it’s important to understand what you're buying and how to make sure your new investment is properly protected.

Here are a few tips every first-time homebuyer should know when shopping for homeowners insurance.

Know What Your Policy Actually Covers

Many standard homeowners insurance policies include four main types of protection: your home’s structure (the dwelling), personal belongings, liability coverage, and additional living expenses if your home becomes uninhabitable due to a covered loss. However, every policy has exclusions and limitations.

For instance, damage from floods or earthquakes usually requires separate coverage. And your personal property coverage may have sub-limits for high-value items like jewelry, artwork, or electronics. Review the policy in detail and ask questions about what’s included, and what isn’t. Knowing your coverage ahead of time prevents surprises when you file a claim.

Don’t Just Focus on Price

While budget is always a factor, choosing the lowest premium shouldn’t be your only consideration. A cheaper policy may come with higher deductibles, less comprehensive coverage, or lower limits, leaving you vulnerable when it matters most. Instead, you may want to look for a policy that provides replacement cost coverage (not actual cash value), so you’re reimbursed for the full cost to repair or replace items without depreciation.

Ask About Additional Coverage Options

If your home is in a flood zone or earthquake-prone area, you’ll likely need an additional flood insurance policy for that type of coverage. You may also want to consider endorsements or riders (additions to your policy) for things like sewer backup, identity theft protection, or extended replacement cost coverage. Optional add-ons vary by insurer, so it’s worth discussing your home’s unique needs with your agent to ensure you're not leaving gaps in coverage.

Update Your Policy as Your Life Changes

Your homeowners insurance policy should evolve with you. If you make upgrades to your home, like finishing a basement, remodeling a kitchen, or adding a deck, you may need to adjust your dwelling coverage to reflect the increased value.

Likewise, buying new furniture, electronics, or valuables might require increasing your personal property limits. An annual insurance review can help ensure you’re properly insured if something unexpected happens.

We’re Here to Help You Start Off Right

As a first-time homebuyer, understanding your insurance coverage can help you avoid costly gaps in protection. With the right coverage in place, you can enjoy your new home with peace of mind. Contact us today for a personalized home insurance review and get the protection you need as you step into homeownership.

How Moving Impacts Your Personal Insurance

Wed, 06 May 2026 17:18:00 GMT

Moving to a new home comes with a long list of tasks, and insurance updates are often overlooked in the process. However, a change in location, property type, vehicles, and daily routines can all affect your coverage needs.

Taking time to review your insurance before and after a move can help ensure your policies reflect your current situation and continue to provide appropriate protection.

Homeowners, Renters, and Condo Insurance

Your housing situation plays a major role in your insurance needs. If you are purchasing a home, you will need a homeowners insurance policy that reflects the value, location, and features of the property. Factors like square footage, construction type, and local risks can all influence coverage.

If you are moving into a rental, a renters insurance policy can help cover your personal belongings and provide liability protection. The property owner’s insurance typically does not extend to your personal items.

For condo owners, a condo insurance policy helps cover personal property, interior elements of the unit, and liability. It is also important to understand what the condo association’s master policy covers versus what you are responsible for insuring.

Coverage Limits and Property Value

A move is a good opportunity to review your coverage limits. A new home or unit may have a different replacement cost than your previous one, and you may have acquired additional belongings over time.

Updating your personal property coverage to reflect what you currently own can help avoid gaps. This is also a good time to document high-value items and consider whether additional coverage is appropriate.

Auto Insurance Updates

Your auto insurance should be updated when you move. Your new address can affect your premium based on factors like traffic patterns, population density, and local claim trends.

In addition, your driving habits may change. A different commute or usage pattern could impact how your vehicle is rated on your policy. Keeping your garaging address and usage details current helps ensure accuracy.

Liability Considerations

Liability exposure can change when you move, especially if your new residence includes features like a pool, shared spaces, or a larger property. These factors can influence how much liability coverage you may want to carry. It may also be worth reviewing whether an umbrella insurance policy makes sense based on your updated situation.

Timing Your Coverage

Coordinating the timing of your insurance updates with your move is important. A homeowners or condo policy should be active before closing, while your previous policy may need to remain in place until you fully move out.

For renters, coverage should begin when you take possession of the new space. Making sure there are no gaps between policies helps maintain continuous protection.

Keeping Your Policies Up to Date

Moving is a good time to review your insurance and make sure it reflects your current needs. Address changes, updated property details, and shifts in daily routines can all influence your coverage.

If you are planning a move or have recently relocated, it is a good time to revisit your personal insurance. Contact us today to review your coverage and make sure everything is up to date.

Factors That Impact Your Car’s Resale Value

Mon, 06 Apr 2026 14:12:00 GMT

A vehicle is one of the larger purchases most people make, and its value changes over time. While some depreciation is expected, certain factors can influence how much your car is worth when it comes time to sell or trade it in.

Understanding what affects resale value can help you make informed decisions throughout ownership and maintain as much value as possible.

Mileage and Usage

Mileage is one of the most significant factors in determining a car’s resale value. In general, vehicles with lower mileage tend to sell for more because they are perceived to have less wear and tear.

How the vehicle is used also matters. Consistent highway driving may be viewed more favorably than frequent short trips or stop-and-go city driving, which can place more strain on certain components over time.

Vehicle Condition

The overall condition of your vehicle plays a major role in how it is valued. This includes both cosmetic and mechanical condition.

Exterior factors like paint quality, dents, and scratches can affect buyer perception. Interior condition, including upholstery, odors, and general cleanliness, also contributes to value.

Routine maintenance is equally important. A well-maintained vehicle with documented service history is typically more appealing to potential buyers.

Maintenance and Service Records

Keeping detailed records of oil changes, inspections, and repairs can support your vehicle’s resale value. These records show that the car has been cared for and can give buyers more confidence in its reliability.

Missing or inconsistent service records may lead to questions about how well the vehicle has been maintained.

Vehicle History

A vehicle’s history can influence its resale value in several ways. Prior accidents, title issues, or major repairs may lower the value compared to a similar vehicle with a clean history.

Even when repairs are completed properly, buyers often consider the overall history when evaluating a vehicle.

Make, Model, and Market Demand

Some vehicles hold their value better than others due to brand reputation, reliability, and demand in the used car market.

Popular models with strong reliability records often retain value longer, while less common or less in-demand vehicles may depreciate more quickly.

Fuel efficiency, safety features, and technology can also influence how desirable a vehicle is over time.

Modifications and Customization

Aftermarket modifications can affect resale value in different ways. While some upgrades may appeal to certain buyers, others may limit your pool of potential buyers.

In many cases, keeping a vehicle close to its original condition helps maintain broader appeal when it is time to sell.

Keeping Long-Term Value in Mind

While resale value is not the only factor to consider when owning a vehicle, it can influence long-term costs. Simple steps like regular maintenance, careful driving, and keeping records organized can help preserve value over time.

Your auto insurance coverage can also play a role in protecting your investment, especially in situations involving damage or loss. Contact us today to review your coverage and make sure your vehicle is properly protected.