Many people get auto insurance for protection against collision losses. What many drivers don’t know is that a policy written for collision doesn’t necessarily cover damage from animals and other non-collision incidents, such as vandalism, earthquakes, floods and even objects falling from space. For those, you need comprehensive coverage, or “other-than-collision” insurance. Rodent damage typically […]
Read More
Don’t be fooled by the term “marine” in inland marine insurance, a kind of insurance that covers property shipped over land. The coverage was first offered by ocean marine insurers, so the word “inland” distinguishes it from cargo shipped by sea. Today, many insurers offer this coverage, with a number of policies available for specific […]
Read More
Heavy rain and wind can reveal underlying issues around your home that go undetected otherwise. Though this isn’t always the case. As first-time homeowners, my husband and I spent our first Christmas morning dealing with greywater that had backed up into the washing machine in our basement. Fortunately, we were able to get emergency service […]
Read More
Let’s talk about replacement cost. What does that mean? If there was a loss what would the cost be to rebuild your home, to replace it? This amount is usually very different from a tax valuation or the market value; causing confusion for home buyers when obtaining a comprehensive homeowners policy. We’ll break it down […]
Read More
Spring officially arrives March 20th. March winds, green grass appearing under winter’s thatch, and new visitors to the bird feeder are all harbingers of Spring. So are hungry bears, even in Midcoast Maine. Each year, in Spring and early Summer the Maine Department of Inland Fisheries and Wildlife receive numerous calls from homeowners who are […]
Read More
Midcoast Maine has recently been battered by a series of powerful storms with damaging winds. Many residents lost power or are pleasantly surprised that they didn’t. Driving around you cannot help but notice many felled trees, but also the tree service crews that are a welcome sight. Does Homeowner’s Insurance Cover Tree Damage? There is […]
Read More
We are proud to announce that our leadership team has just been featured in a national magazine for how well they take care of the staff and our clients at Cheney Insurance! Our leadership team demonstrates what it means to be involved and attentive to the insurance industry, as well as nurturing positive professional relationships […]
Read More
If you’re not 100% sure what the difference is between whole life and term life insurance, you’re not alone. For many, it’s enough to know that term life insurance is generally cheaper. But cost isn’t the whole story. To help you decide which is best for you and your family, read on to learn the […]
Read More
Most of us don’t spend much time dealing with life insurance; it’s a “get it and forget it” kind of product. And since life insurance often seems complicated, it’s not surprising that we get some of the details wrong. Here are five misconceptions that many people have about life insurance — and the truths to […]
Read More
Med Pay? PIP? Dec pages? Insurance terms, explained With all kinds of different coverages for all kinds of different needs, insurance can be very confusing. And to make it even more challenging, at times it probably seems like insurance websites and policy documents are written in a completely foreign language. Of course, that’s why we […]
Read More