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Pool Safety Tips and Insurance Considerations

Having a swimming pool in your house can be a fun way of adding more value to your life.  But a swimming pool can have risks like pool injury and accidents, including drowning. According to the Centers for Disease Control and Prevention (CDC), in the U.S., children ages 1-4 have an increased chance of dying […]

Cleaning and Maintenance Tips to Prevent Insurance Claims

Whether you love the opportunity to clean, inspect, and do some maintenance work around the house, or you find it to be a tedious chore, the value of doing some much-needed cleaning is undeniable. Regularly inspecting and maintaining your house or commercial building(s) is just as important as regularly checking and maintaining your car.  For […]

What is Flood Insurance and Why Do You Need It?

As defined by FEMA, a flood is: A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least 1 of which is your property) from: Overflow of inland or tidal waters; or Unusual and rapid accumulation or runoff […]

5 Questions to Ask Home Insurance Agent

Before shopping for home insurance, you need to know the factors that can help you get the insurance that matches your needs. Ask your insurance agent the following questions to determine the type of insurance, the coverage, and the insurance details that can help you choose the right home insurance policy. 1. What is the […]

Personal Lines Claim Stories

Having adequate personal insurance is one of the best ways to protect you, your home, and your car from costly expenses due to unpredictable situations. At Otterstedt, we understand that most individuals highly appreciate the peace of mind personal insurance provides.  Here are some examples of real-life stories of how we help our personal insurance […]

What is Guaranteed Replacement Cost?

Losing your home to a fire or natural disaster is one of the worst things that can happen to any homeowner. What can make it even worse is finding out later that you lack the homeowner’s insurance coverage to rebuild your home back to what it was before the disaster. This is why we recommend […]

Giving an Expensive Present? Here’s How To Insure It Properly

Are you searching for the perfect, extravagant gift for your wife, husband, child, or a loved one for their birthday, holiday, or special occasion? Whether it be a new car for your child’s sweet 16, an engagement ring for your bride-to-be, or an expensive “just because” gift – it is important that you insure it […]

Does Insurance Cover Damage From Wind Related Weather?

Obviously living in areas frequented by strong winds and storms such as tornadoes, hurricanes, and blizzards requires an understanding of wind-related coverages, but with the changing weather patterns, everyone may be susceptible to a wind loss Insurance Coverage Explained  Most commercial and personal policies have a general provision for damage caused by windstorms and hailstorms. The […]

Tips To Prepare Your Home and Car for The Fall

As you prepare to change your wardrobe from summer swimsuits and sandals to turtleneck sweaters and boots for the fall season, don’t forget your car and home. Fall brings beautiful foliage along with its shorter daylight, light rain, and cooler weather. For this reason, it’s always advisable to be prepared well in advance. Here are […]

What Type of Insurance is Needed for Special Events?

Special events are common in many people’s lives, and many businesses too. Whether it’s a conference, company meeting, prom, anniversary, wedding, or fundraising gala, these activities go beyond day-to-day operations.  Typically, special events can’t be included under a commercial general liability or homeowner’s liability due to the nature and setting of the event. A separate […]

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