homeowners: What is considered an "Act of God" on a Homeowner policy? - 06/28/13 09:16 PM
What is considered an "Act of God" on my Home Owner Insurance policy? We recently had a client of ours call to say his neighbors tree fell on his fence, car & garage and how does he put a claim in against his neighbor's insurance?
Act of God Wind Damage We had to explain to our client that since nobody was negligent for the tree falling, it is considered an "act of God" due to winds. These high sustained winds have nothing to do with the neighbor's blame for his tree falling. Since it is no one's fault, the insurance property … (0 comments)

homeowners: How to protect yourself in a homeowner claim. - 06/23/13 09:19 PM
The burden of proof in a homeowner claim is always on the insured - the homeowner. Since that is the case, I am suggesting you take your smartphone and record what you have inside your home. This then becomes your proof at the time of a claim.
No claims adjuster could deny using this for proof. A picture or video is way better than any receipts you may (but probably don't) have. Keeping this proof on your laptop or a thumb drive would be a good idea.
So use your smartphone in a smart way - capture what you own inside … (1 comments)

homeowners: Beware claims following the home, not the seller! - 03/11/13 09:34 PM
We recently had a situation where the new home buyer was having a hard time finding homeowners insurance...until she called us. The previous owner had 5 claims over a 5 year period and 3 of those were for thefts (not good). Where a lot of insurance companies were denying her, we have one (actually more than one), who looks at the owner's history and not the homes history.
C.L.U.E. reports (Comprehensive Loss Underwriting Exchange) is where all insurance companies report their losses. It is a record of all reported losses, even if not paid out. We have a client who was … (1 comments)

homeowners: “You Too Might Have a Broken Insurance Policy” - 01/02/12 02:51 AM
Williamsville, NY
     You hear the squawking ads on TV, in your car, online – “Save 15%” or “We have the lowest rates” or “Nobody beats A*******” – their sole job is to make a sale, not protect you & your family correctly. They are under pressure to sell, sell, sell; regardless of the coverage’s you may require (they get fired for NOT selling enough).
The Matt Davis Story
    Here is a story of Matt Davis (last name changed to protect our client) of Amherst, who was a homeowner client of our agency. In being proactive … (1 comments)

homeowners: You have until 12/31/2011 to save money in New York. - 12/13/11 07:09 AM
In my world of insurance, it seems like companies are buying each other up year after year. We knew this day was coming when out west (Seattle) giant, Safeco would be swallowing up a smaller company in Peerless Insurance. While we are not happy about it, due to Peerless great rates and strong record, we understand these things happen.
Peerless Insurance still has great rates and writes all their policies on a Package (one policy for auto, home, umbrella) but that does go away 12/31/2011. Peerless is letting us put in as many new policyholders as we can until 12/31/2011 and … (0 comments)

homeowners: What does my auto insurance have to do with my home? - 11/12/11 11:55 PM
We have a quick blog post, explaining why you need to protect your home with proper auto insurance.
Be a smart insurance consumer not a do-it-yourself one!

homeowners: Don't take NO for an answer on insurance issues! - 07/25/11 03:25 AM
I just left a comment on Stephanie Jacques blog because she was having a problem with a buyer due to a roof issue. Never, never, never let an insurance company tell you NO, it cannot be done! Guess what? Because THEY cannot do it doesn't mean it cannot be done!
There are insurance companies out there for every type of risk - vacant, needs a new roof, residential, commercial, whatever the real estate risk is.
Using an independent insurance broker is usually your best source. They know where to go, what insurance companies to talk to, which underwriter will be more … (1 comments)

homeowners: What does minimum auto liability limits have to do with my home? - 06/07/11 03:12 AM
 We just found our 3rd homeowner client in the last 2 weeks, carrying the very basic auto liability limits on their auto insurance policy. In NY State, those minimums are $25,000 per person, $50,000 per accident and $10,000 of property damage. So let me paint a story for you to get the point.
Let’s say you cause a 3 car accident with no injuries (we’ll keep it simple). So your own damaged vehicle will be covered by your collision coverage on your auto policy. Vehicle #2 has $12,000 of damage and vehicle #3 has $9,000 of damage, totaling $21,000 of losses. … (4 comments)

homeowners: What changes have you made since you bought your home? - 05/18/11 02:53 AM
Changes occur over the years since you bought your home (or sold one) and what insurance changes have you made? Probably very little, as a majority of insuraqnce agents out there do a poor job of reviewing current clients accounts. Like many of you real estate professionals out there, us insurance brokers are always looking for that new sale, that new client to make a commission off of.
But what about your past client? Where is the good information/help/advice you can share with them? Don't ignore your past clients, they could be your best source for future sales.
Check out … (0 comments)

homeowners: Third Homeowner in 2 Weeks with Minimum Auto Liability Coverage! - 04/09/11 12:57 AM
Don't they know they are putting their house at risk to leins and judgements if causing an accident? Third time a homeowner client has allowed us to review their auto insurance coverage and we found the bare minimum coverage allowed in NY State - $25,000 per person/$50,000 per accident/$10,000 property damage.
How many auto's are on the road worth more than $10,000? Don't you think that other driver won't come after you for the damages you caused in an at-fault accident?
Some consumers shop their auto insurance as if price matters (like those cheap auto insurance companies will have you believe) … (1 comments)

homeowners: The REAL truth about insurance companies, agents and brokers. - 02/15/11 09:09 AM
  We all get bombarded every day, from TV ads, to radio ads, to the newspaper inserts, to inserts in my utility bills!
                              Save here! We always have the lowest rate! Nobody beats us! Save 15%!
The REAL Truth: Whether we are talking auto insurance or home insurance there are ONLY 3 ways consumers can buy insurance.
1) From a direct writing company (direct to consumer) from their employees using their own rates (Think Cavemen, a gecko or Flo here, they are direct-to-consumer companies), they represent themselves only.
2) From direct writers, agents who's pen only write for one specific … (1 comments)

homeowners: Kodak Video Challenge - An Act of God! - 01/23/11 11:36 PM
Falling trees and falling limbs, who's claim is it on your damaged property?
This post is written as a submission to the ActiveRain Kodak Video Challenge contest. I have the chance to win the KODAK PLAYTOUCH Pocket Video Camera, great for realtors looking to
create wide angle home tours and real estate marketing videos!"

homeowners: When you upload a video to YouTube, what's next? - 09/27/10 02:43 AM
I have made many video's on YouTube, some related to insurance issues, some not. My question to those who use video, where else do you post them? I have placed some on landing pages I have but where else should I be posting them?
Thanks for your input!

homeowners: Property Insurance rates in NY State - 03/11/10 10:50 PM
Most states are like NY State, where they don't sur-charge you (like auto insurance) for a claim. Watch this short video to find out.
Tom Larsen, Larsen Insurance

homeowners: Personal Property away from your home! - 11/06/08 07:20 AM
Personal property Away from the premises. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Nowadays, a lot of people are using these "self- storage" places to keep some of their belongings. If you have a homeowner's policy (or renter's insurance) 10% of your Coverage C - Personal Property is extended to off premises exposure's like a "self- storage" facility. This also applies when your stuff is in your car and it gets broken into. Or your luggage gets lost by the airlines. All typical things we see from our perspective, as the insurance agents. Also remember if you use your self-storage facility for boat storage, ATV storage or … (0 comments)

Tom Larsen, We Shop, You Save! (The Larsen Protection Team)

Tom Larsen

We Shop, You Save!

Williamsville, NY

More about me…

The Larsen Protection Team

Address: 8665 Sheridan Dr, Williamsville, NY, 14221

Office: (716) 684-3203

Mobile: (716) 310-0351

Email Me

Buffalo insurance expert, marketing expert and Small business insurance consultant.




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