…and these showers typically also bring lots of water everywhere! If a pipe bursts inside your home due to flawed installation, your homeowners insurance policy will respond to this water damage. But, if your home floods due to a hurricane or storm, your homeowners insurance likely will not pick up the tab for the bill. …
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Author Archives: cherlihy@herlihygroup.com
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Newsletter Spring 2023 | April Showers Bring May Flowers
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Newsletter Spring 2023 | The Importance of a Good Umbrella
At Herlihy Insurance, we like to say, ‘a good umbrella covers your Gaps and withstands the unplanned liability storms that may be out there.’ Did you also know that this is one of the lowest priced insurance policies out there that provides you with at least $1,000,000 of liability protection? If you own a home, have teen …
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Newsletter Spring 2023 | Who Owns That Home Anyway?
Over the past few years, many of our clients have been transferring ownership of their homes and rental properties to trusts, LLCs, and other types of entities. There are a number of benefits for these ownership updates. At Herlihy Group, we just want to remind all that these changes may have harmful and unintended insurance …
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Newsletter Spring 2023 | What’s In Your Home?
Expensive artwork or jewelry: Just our spring reminder! Most insurance policies have a limit as to how much they’ll pay to replace specific items that are damaged or destroyed during a covered event, like a fire. If you have expensive jewelry or artwork, you may need to get a rider on your insurance policy to …
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June Commercial Newsletter: Insurance Costs
Clients ask us all the time why their premiums increase when they haven’t had any claims. It’s a fair question, and one that has several answers. While individual companies may adjust pricing for their specific reasons, below are factors that all insurance companies deal with when setting their rates. Reinsurance All insurance companies purchase insurance …
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A Funny Thing Happened on the Way to a Home Closing……
Recently we had a new client join our agency. We are thrilled to have new clients and greatly appreciate this referral that was sent our way! I like to share this house closing insurance adventure to help homebuyers become more aware that banks are good at setting up your financing, but they may not be …
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The Condo Confusion Continues…
In our neighborhood, it’s not unusual to see older single-family homes leveled and shortly after, two or three-unit condos pop up. This certainly changes the look of our traditional neighborhood as more people move into the same small area! These condos are very attractive and quite pricey. As I walk by them, I can’t help …
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Financial Spring Cleaning
This spring as we may be working in our yards, garages, and emptying our closets, a friend of mine recently shared a funny fact. My friend was cleaning out his “financial things” and organizing all the financial things that grownups do. “I guess it is time to take Betty off as my 401k beneficiary,” he …
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May Commercial Newsletter: Why Do I Need Cyber Coverage?
You might be thinking, why do I need cyber liability insurance? Or, is it worth the additional cost in premium? These common misconceptions will shed light on the importance of purchasing a cyber insurance policy and the potential risks of not having one in place. 1. I’m not responsible because I outsource According to …
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Did you Inherit Something Recently?
Did you know?? Mary Elizabeth Herlihy was an artist. This artist was the spouse of Jim Herlihy who started our agency in 1927. We even still have a few of Mary’s original paintings decorating our agency walls! Yes, we inherited them! We are looking to hear from our clients on what you may have inherited …
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