And needless to say during the few months that Upstate New York weather actually permits, I spend a decent portion of my free-time at local golf courses. Which means that I am very familiar with just how Bad of a Golfer YOU Are!

New York residents be prepared to receive a Lead Liability Exclusion endorsement to your property insurance policy (homeowners, income properties, secondary, vacation homes, etc). New York insurance carriers are quickly mobilizing against lead paint claims.

The personal property and liability coverage provided within your Homeowners (and Renter) Insurance policy follows you throughout the world. That means your insurance policy is working for you even when you go on Vacation!

Certain types of personal property have sub-limits on amounts payable upon a loss. The most commonly seen limitation is the $1,500 restriction on Jewelry, (think Engagement Rings).

All you loyal insurance shoppers out there that have been with the same carrier for 10, 15, 20 years… You most likely are still on a Broad Form policy.

Insurance is often discussed with a disdain only Repo Men can admire. Unfotunately for the passionate insurance Haterz out there, much of the negitive emotion surrounding insurance is based on misconceptions.

Domestic Partners would be wise to understand the insurance concerns associated with their living situation. Both Gay and Straight domestic partners must realize that common insurance laws and practices were set up for the “Traditional Family Relationship.”

According to III.org Flood insurance covers direct physical losses by flood and losses resulting from flood-related erosion caused by heavy or prolonged rain, coastal storm surge, snow melt, blocked storm drainage systems, levee dam failure or other similar causes. To be considered a flood, waters must cover at least two acres or affect two properties.

Insurance is not magic, so if your salesperson acts as if your insurance policies are too complex to explain, become very skeptical.

Many pool owners believe that by fencing in their swimming pool and posting trespassing signs that they are relieving themselves of liability on the pool. This is not a proper assumption. According to Wikipedia, under the attractive nuisance doctrine of the law of torts, a landowner may be held liable for injuries to children trespassing on the land if the injury is caused by a hazardous object or condition on the land that is likely to attract children who are unable to appreciate the risk posed by the object or condition (www.wikipedia.org).