Personal

Understanding the Rising Cost of Homeowners and Auto Insurance

As individuals review their insurance policies for the year, the reality is that homeowners and auto insurance rates will continue to rise in 2024.  There are many factors that have caused the increases we have seen over the past couple of years, and we expect this trend to continue in a market where inflation and

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Do I Need to Purchase Rental Car Insurance?

When renting a car, a question that that often arises is whether you need to purchase rental car insurance. Rental car insurance can add a significant cost to your rental, but is it a necessary expense? Here are some important things to know: For those who are Insured on a Personal Auto Insurance policy, coverage

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Why You Need Service Line Insurance Coverage

When it comes to safeguarding your home and your financial well-being, insurance can be a valuable addition to your toolkit. While most homeowners are familiar with standard insurance policies that cover property damage or liability, there’s one crucial aspect that often goes overlooked: service lines. Most homeowners are surprised to learn that they own the

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Fourth of July Safety Tips

As the Fourth of July approaches, people across the United States are gearing up to celebrate the nation’s independence with fireworks, barbecues, and gatherings. While this holiday is filled with joy and patriotism, it’s crucial to prioritize safety, not only for the well-being of your loved ones but also to avoid potential insurance claims. Below

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Driver Safety

How To Prevent Distracted Driving Claims Cell phones, tablets, and other electronic devices are a necessity in our personal and professional lives, but when operating a vehicle, their use takes your attention off of the road and can have serious consequences. Approximately 660,000 people are on electronic devices while driving a vehicle during daylight hours.

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Things to Know About Auto Coverage Limits and Requirements

Automobile insurance coverage is a must-have for every driver on the road. Not only is liability insurance legally required in most states, but it also protects you and your vehicle from the financial burden of an accident. When choosing coverage for your auto insurance policy, it’s important to understand coverage limits, required minimums, and how

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What You Should Know About Flood Insurance

You’ve probably heard this horror story before — someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn’t cover flood damage. At Walsh Duffield, we want you to be educated about all of the risks you may face – before a loss occurs – so you can

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4 Factors in Choosing an Auto Insurance Deductible

Choosing the right deductible for your automobile insurance policy can seem overwhelming. There isn’t a one-size-fits-all solution when it comes to choosing the optimal deductible. But you can navigate this decision by weighing your options and considering the most sensible deduction for you and your situation. We’ve identified four vital factors to consider before choosing

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Do You Need Earthquake Insurance?

Earthquakes have occurred in every US state, and about 90% of Americans live in areas considered seismically active.  In fact, a 3.8 magnitude earthquake hit Buffalo, NY on February 6, 2023 and Rochester experienced a 2.6 magnitude earthquake in March 2020.   These small earthquakes were centered several miles below Lake Ontario, less than 100 miles

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5 Key Things to Know About Insuring Your Valuables

If you’re like most people, there are certain items you own that you can’t imagine ever losing — possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them. If you haven’t checked your home insurance policy recently, here are five key things to know about insuring

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