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So, you wanted your new kitchen cabinets to MATCH the others?

your homeowner's insurance policies may not provide you matching cabinets
Your homeowner’s insurance policy may not provide you matching cabinets

Here’s the scenario that happened to one of our customers. Imagine you had a leak in an upstairs bathroom. That leak dripped into your kitchen and caused damage to as section of the kitchen cabinets. You filed an insurance claim. The damaged cabinets may be covered… but there may be a condition. Some policies only cover the replacement of the damaged cabinets- not all the cabinets. If this is the case, may have to cross your fingers that you can find an exact match for the rest of your cabinets. What if they were a few years old and the manufacturer isn’t making them any more? What if they’ve discontinued that color or style? You may be out of luck and have to get “close”- but never an exact match.

Now, this isn’t true of all homeowner’s policies. Some policies offer premium packages that may replace the entire cabinets in this case so you get back to “whole”- a kitchen with matching cabinets- just like you started with before this chaos started.

Ask your insurance agent about your insurance coverages. Not all policies are the same. Feel free to reach out to us with any questions or for any clarification. We’d love to help you at www.keslarinsurance.com

Marketers/Business owners: Check your insurance before sponsoring your local Little League Team

general liability business sports team sponsorship NH ME
Sponsoring local sports team may require updates to your business insurance

As a marketer, you are bombarded with opportunities to sponsor the local little league or soccer teams, baseball, football or other children’s sport teams.  This is an excellent opportunity to build brand while doing a good deed in your community. Depending on your target market, it just may make sense for all these reasons:

  • Target specific market segments
  • Build relationships with consumers by aligning a brand with an athlete/team
  • Increase brand recognition
  • Enhance image through association with winning athletes/teams
  • Advertising for the business
  • Promotes public goodwill
  • Fosters contacts that can lead to more customers

But one caution- before you go forward, check with your insurance agent. Sound surprising? The reason is that your general liability policy may have gap of coverage that doesn’t adequately protect all the risk exposures.  An endorsement may be needed to keep your business safe in the event that anything happens. If needed, this can often be a simple step. Call your agent before signing the contract and make sure you’re protected. Feel free to reach out to us if you have any questions as well at www.keslarinsurance.com.

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