E. R. Munro and Company

Tips for Dealing with a Flood Disaster

ERMCO — Fri, 17 May 2013 13:25:20 +0000

Did you know that floods and flash floods are the most common natural disasters occurring in all 50 states? Additionally, one in three flood insurance claims are generated outside areas considered “flood-prone.” Because homeowners insurance does not cover flood damage, it’s important to prepare for a worst-case scenario. Make a written, photographic or videotaped inventory of [...]

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Prep Your Home for Spring

ERMCO — Thu, 09 May 2013 19:37:32 +0000

It’s that time of year … time to prep your home for spring and summer. Follow these tips to protect your home from Mother Nature: Roof – Examine your roof for any loose, curling or missing shingles. Also look for nails that have popped. Inspect and check for water damage in the attic near roof [...]

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Wedding Season Advice

ERMCO — Fri, 03 May 2013 15:26:05 +0000

When did you last update your beneficiaries on your insurance policy? If you designated your parents as the beneficiaries of your life insurance and you plan on getting married this year or got married a year or so ago, it may be time to change that designation. That is, unless you want your parents to [...]

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Top 10 Driving Distractions

ERMCO — Thu, 25 Apr 2013 19:06:09 +0000

The next time you get into your vehicle, please avoid these driving distractions which could endanger you, your passengers and other drivers. Smoking-related (includes smoking, lighting up, putting ashes in tray) – of the more than 65,000 people killed in car crashes over the past two years, a recent study on driving distractions found that one [...]

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Protecting Your Valuables

ERMCO — Thu, 11 Apr 2013 19:01:22 +0000

Most homeowners policies offer limited coverage for personal articles such as jewelry, cameras, golf equipment, fine art and collectibles and computer equipment. If you have valuable artwork, a baseball collection, first edition books, a coin collection, expensive computer equipment, firearms, furs, golf equipment, jewelry, rare memorabilia, oriental rugs, silverware and/or a stamp collection, you need [...]

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Cruisin’ Down the Highway Responsibly

ERMCO — Thu, 04 Apr 2013 18:08:44 +0000

Now that spring is finally here, motorcycle enthusiasts will be donning their helmets and revving up for cruising with their friends and families. Whether you are an experienced rider or a first-timer, being responsible and safe is what it’s all about. And this means finding the right insurance for your motorcycle. Motorcycle insurance is a way of [...]

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Take Time for a Home Inventory

ERMCO — Thu, 21 Mar 2013 13:29:34 +0000

No one plans to lose their valuables in a burglary, fire or natural disaster. If one of these events were to happen to you, would you be able to report exactly what you lost to your insurance company? Start today and write down any valuable items, including their serial numbers, and whether the items were [...]

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RV Insurance Coverage Basics

ERMCO — Thu, 14 Mar 2013 18:49:40 +0000

According to The Recreational Vehicle Industry Association, the number of RV-owning households has grown to 8.9 million households, up from 7.9 million in 2005. Additionally, 21 percent of all U.S. households stated intentions of purchasing an RV at some point in the future. These dream homes on wheels need appropriate insurance coverage. It is important to [...]

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Things to Keep in Mind When Buying Auto Insurance

ERMCO — Thu, 07 Mar 2013 20:20:22 +0000

When buying auto insurance, keep in mind these things: Purchase the amount of liability coverage which makes sense for you. Liability covers your financial responsibility for injuring others. Decide which optional coverages you want. Do you want the optional physical damage coverages in Part D or is the market value [...]

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When it comes to homeowners insurance, should you have replacement cost or actual cash value?

ERMCO — Thu, 28 Feb 2013 20:22:10 +0000

If you’re like most people, your home is probably your most prized and valuable possession. That’s why it’s important to make sure you are properly and adequately insured so that, in the event that your home is destroyed or damaged, your homeowners policy will cover 100 percent of the cost to either replace it or [...]

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