August 20, 2025
AgencyDo You Need Special Coverage for Mixed-use Commercial Buildings?
Owning and operating a mixed-use commercial building can entail a multitude of risks and exposures. These large structures typically represent substantial financial investments. Furthermore, renting out space to several different tenants, many of whom may be using their respective areas for vastly different purposes, could introduce a multitude of concerns. Crafting a versatile and robust […]
July 15, 2025
AgencyInsuring Leased vs. Owned Commercial Buildings: What’s the Difference?
Whether you lease or own a commercial building significantly impacts your insurance responsibilities. Overlooking the differences can lead to costly gaps in coverage. Insurance for Leased Commercial Buildings If you lease a commercial space, your landlord typically insures the building. However, you’re responsible for insuring your business’s contents, equipment and liability. Most landlords require tenants […]
May 23, 2025
Garlesky Insurance AgencyWhat Happens If Your Car Is Stolen?
Car theft is an unfortunate reality that many people face. Understanding what to do immediately after discovering your car is missing can make a significant difference in recovering your vehicle and minimizing the impact of the theft. Steps to Take Immediately Below are the steps that you should take if your car is stolen: File […]
April 25, 2025
Garlesky Insurance AgencyWhat Happens If Your Business Is Underinsured?
Running a business comes with its fair share of risks. While most business owners understand the importance of insurance, not everyone realizes the dangers of being underinsured. Having some coverage is not the same as having enough, and being underinsured can leave your business financially exposed when disaster strikes. So what does it mean to […]
March 24, 2025
Garlesky Insurance AgencyRenters Insurance for Short-term Rentals: What to Consider
As platforms like Airbnb and Vrbo have gained popularity, short-term rentals have become a favored option for travelers looking for a home-like atmosphere. However, both property owners and renters need to be aware of the insurance implications of these arrangements. Understanding Short-term Rental Insurance Short-term rental insurance is designed to cover properties rented out for […]
February 25, 2025
Garlesky Insurance AgencyShould You Switch Insurers if Your Premium Increases?
If you’ve noticed an increase in your insurance premium, you might wonder if switching insurers is the right move. Understanding the factors behind rate changes and exploring your options could help you make an informed decision about your coverage. Understanding Premium Increases Premium increases don’t always mean your prices are unreasonable. Many factors might influence […]
February 18, 2025
Garlesky Insurance AgencyThe Rise of Usage-Based Insurance: Is it Right for You?
Insurers are increasingly using telematics to track driving habits and offer personalized premiums. This raises questions about privacy and fairness. What is Usage-Based Insurance? Usage-based insurance (UBI) is a type of car insurance that uses telematics to track your driving habits. Telematics devices can be installed in your car or accessed through a smartphone app. […]
January 28, 2025
Garlesky Insurance AgencyRenters Insurance for High-value Items: What’s Covered?
Renters insurance is an essential safeguard for anyone living in a rented property. It provides coverage for personal belongings in the event of theft, fire or other unexpected incidents. However, standard renters insurance policies may not offer sufficient coverage for high-value items. Understanding Standard Coverage Limits Standard renters insurance policies generally include coverage for personal […]
April 19, 2024
Garlesky Insurance AgencyWhy You Need Motorcycle, Boat, and RV Insurance
Protecting Your Outdoor Adventures Your outdoor hobbies are your chance to soak up the sun, enjoy the fresh air, and spend quality time with friends and family. Whether you’re cruising on your motorcycle, sailing across the water in your boat, or embarking on a road trip in your trusty RV, one thing remains constant: the […]
April 10, 2024
Garlesky Insurance AgencyHomeowner’s Insurance: Safety Net, Not Safety Deposit Box
Homeownership comes with a ton of responsibility, and maintaining your property is a big one. But sometimes, with a homeowner’s insurance policy in place, it’s tempting to let things slide, figuring the insurance will catch anything major. Here’s the reality: homeowner’s insurance is a safety net, not a magic fix-it fund. Here’s why proper home […]
