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 […]
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After a relatively quiet winter, Spring is thundering in with lots of wind and rain. 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 […]
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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 […]
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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 […]
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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 […]
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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 […]
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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 […]
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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 […]
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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 […]
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The above vintage postcard is cute, but on a serious note chimney fires are dangerous and proper maintenance and regular inspections can help prevent them. The Chimney Safety Institute of America (CISA) is all about advancing public awareness about the dangers of chimney fires. The article The Facts About Chimney Fires has many useful maintenance […]
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