Insurance Insights
Tips, updates, and expert guidance to help you protect what matters most
19 posts
Hockey Team Insurance Guide: What Every Team Manager Needs to Know
Managing a hockey team comes with real liability exposure. This guide covers the insurance coverages every team manager should have in place — from general liability to accident medical coverage.
Condo or Townhome Owner? Don't Forget About Loss Assessment Coverage
Owning a condo or townhome creates a unique insurance exposure many owners don't realize exists. Loss Assessment Coverage could save you thousands when your HOA's master policy falls short.
Replacement Cost vs. Actual Cash Value: Do You Know the Difference?
These two terms may sound similar, but the difference can mean thousands of dollars after a claim. Understanding them before you experience a loss can help you avoid costly surprises.
Review Your Home Insurance Before It's Too Late
Many homeowners buy insurance when they purchase their home and rarely look at it again. But your life changes — and your insurance should too. Here's why an annual review matters.
Sewer & Sump Pump Coverage: One of the Most Overlooked Insurance Coverages
Most homeowners assume that if water damages their home, their insurance will automatically cover it. Unfortunately, that's not always the case — especially with sewer backups.
Special Event Insurance: Maybe You Should Think About It
Whether you're planning a wedding, hockey tournament, charity fundraiser, or community festival, special event insurance can protect your investment from accidents, weather, and unexpected liability claims.
Understanding Umbrella Insurance: Why Every Family Should Consider It
Most people think umbrella insurance is only for the wealthy. The truth is, it's designed for anyone who wants an extra layer of liability protection beyond their auto and homeowners insurance.
Why More People Are Choosing State of Hockey Insurance
Hockey is where our passion started — but it's only part of what we do. Today, State of Hockey Insurance serves individuals, families, businesses, and organizations across 22 states.
Why Insurance Companies Care About Your Roof
Your roof is your home's first line of defense — and one leaking roof can quickly become a $50,000 insurance claim. Here's why roof age and condition play a major role in your homeowners insurance premiums.