Blog

Staying Safe When Boating!

Content shared from National Safety Council. With nearly 12 million recreational vessels registered in the U.S., millions of Americans are enjoying time on and in the water. Stay safe by being prepared and using the appropriate equipment, whether enjoying a ride on a motorized boat, paddling a kayak or wakeboarding. <...

Dog Bites on Homeowners Insurance Skyrocketing!

As featured in the "Big i", dog bites and other dog-related injuries cost homeowners insurers more than $1 billion in 2022, a 28% increase over 2021. The average cost per claim was $64,555 in 2022, a 32% increase from the $49,025 average in 2021. As a result, the total claims cost for 2022 clocked in at $1.13 billion, up from $882 million ...

10 Reasons Why Spring Driving Conditions are Dangerous

Article by Carwise, March 12, 2019 March’s arrival can only mean that the much-anticipated sights and sounds of spring are just around the corner. But springtime also ushers in seasonal driving challenges like wet pavement, motorcyclists, and foraging animals who’ve emerged from their winter shelters. Staying safer on the roads ...

Does Homeowners Insurance Cover Theft?

Does homeowners insurance cover theft?

Homeowners insurance covers theft of your personal belongings both inside and away from your home, but coverage for expensive valuables like jewelry and collectibles may be limited. A standard homeowners insurance policy covers theft of personal belongings inside and outside ...

When the Storm Passes

Learn to assess any damage and start getting life back to normal. Returning to normalcy and avoiding further damages are the biggest goals following a hurricane. The immediate steps after a storm can determine how quickly and smoothly you get back to normal life. Learn about making insurance claims and ...

Auto Accident Tips

If you have an accident, remember these tips: • Try to keep calm. Do whatever is necessary to protect your family members or passengers and your property. • Check for injuries, and get help if needed. • Do not leave the scene of an accident. • Do not admit responsibility at the accident scene ...

Hurricane Season is Here! Are You Protected?

Hurricane Season is Here! Are You Protected? The Atlantic Hurricane Season runs from June 1 to November 30. The Eastern Pacific hurricane runs from May 15 to November 30. If you live near a coastline, you may want to consider flood coverage. Many customers still believe that their standard homeowners insurance will protect them ...

PWC Jet Ski Insurance

Personal watercraft insurance should protect your PWC/jet ski in the event of an accident, damage, or theft. Depending on the details of your policy, PWC insurance can cover physical damage, bodily injury, medical payments, towing, and roadside assistance, and more. Licata Management can create a coverage plan that meets ...

Can You Afford a Loss Beyond the Limits of Your Home or Auto Policy?

What would happen if your assets exceed the personal liability limit of your home or auto policy? What if you're in an accident and your claim exceeds your liability coverage? An umbrella policy would go to work for you once the upper personal liability limits on your home or auto ...

Do You Need Flood Insurance?

Flooding is the most common, and most expensive, natural disaster in the United States. Just 1 inch of water pooled in a single-story, 1,000 square-foot home can cause close to $11,000 worth of damage; 1 foot of water in a 2,500 square-foot single-story home can cause more than $29,000 in damage. Standard homeowner’s insurance policies ...

Reasons Why You Should Choose Licata Insurance & Merchants Insurance Company

Protection - We offer quality coverages for home and auto, including: Home: Comprehensive Premier Residence Policy Service Line Coverage Equipment Breakdown Coverage for the home Auto: Package of Protection (POP) for auto: Up to 5 year replacement cost coveage; disappearing deductible   Merchants' "Perks" After Hours Claims Reporting Policyholders can pay ...

It's more than a home away from home!

Make sure you have the coverage you need before venturing out.

Personal effects: Be sure you have the type of coverage for the full cost to replace any items that get damaged in and around, or are stolen from your RV. This optional coverage can ...