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Kimberly Dugas Gotcha Covered Insurance Blog

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With recent advances in both technology and the internet, even more people are running home-based businesses, full-time or part-time. But will your homeowner's policy cover the risks of a home-based business? In nearly every case, the answer is no. READ MORE >>

Since most homeowners are also mortgage holders, they are required to have home insurance. However, most renters are not required to purchase renter's insurance according to the terms of a lease. They face many of the same risks as homeowners. READ MORE >>

With the widespread availability of ride services, such as Lyft and Uber, there is no reason to drive to your holiday party, especially if you drink. Nowadays, with lower limits on blood alcohol levels than in the past, driving while being above the threshold doesn't take much. READ MORE >>

During the busy holiday season, there are many distractions that make parking lots a fairly dangerous place to be.  The combination of early sunset, increased traffic and pedestrians, scam artists, vandals and thieves, and people in a rush, can sometimes be a deadly combination. READ MORE >>

Approximately 500,000 young Americans are injured as a result of distracted driving. The average text takes a person's eyes off the road for several seconds, which is enough time to swerve off the road or hit a car that is braking quickly. When a person is traveling at 55 miles per hour, that is enough time to drive across the length of a football field. READ MORE >>

There were over 77 million domestic dogs residing in homes across the United States between 2015 and 2016. This was a finding in a survey conducted by the American Pet Products Association. According to the Centers for Disease Control, there are over 4.5 million dog bites reported each year. READ MORE >>

Many Americans decide to remodel or build additions to their homes in the summer as the weather is more accommodating to that kind of work.  But when summer starts, scammers also come out of the woodwork and it's not uncommon for homeowners to be ripped off by an unscrupulous contractor.  READ MORE >>

A car that has survived a flood can be a major repair waiting to happen. Water, particularly salt water, can have major effects on a car, depending on how deeply it was submerged and for how long. According to a new study, these cars are becoming more prevalent. READ MORE >>

No person is completely prepared for a car crash whether it is minor or major. However, drivers can be more prepared to handle the claims process afterward by remembering some important information. By taking a few simple preparatory steps, auto owners can prevent costly mistakes or delays that keep them from receiving compensation for damages. READ MORE >>

In some instances, water damage is covered by insurance. However, there are limitations. The best way to ensure that damages will be covered if they happen is to frequently inspect the home to find any problems that may be causing water damage. When Is Water Damage Covered? READ MORE >>

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