If you're renting an apartment, condo, or home, you've probably heard someone mention renters insurance. But what exactly does it cover? One of the biggest misconceptions renters have is assuming their landlord's insurance will protect everything inside their apartment. In reality, your landlord's policy typically covers the building—not your personal belongings. That's where renters insurance comes in. Here's a closer look at what renters insurance generally covers—and what

Running a small business comes with enough challenges already. Your insurance coverage shouldn’t be one of them. A lot of business owners assume they’re fully protected… until something unexpected happens. And unfortunately, small gaps in coverage can turn into expensive problems very quickly. Whether you own a restaurant, contracting business, retail shop, office, or growing startup, here are five common insurance mistakes that can end up costing small businesses big money.

Graduation season is exciting. New jobs, new cities, new apartments, and a whole new level of independence. But along with the fun stuff (like finally decorating your own place and not living off a meal plan), moving out after graduation comes with a big reality check: you’re now responsible for protecting your own things. And while insurance might not be the most exciting part of moving, having the right coverage can save you from a major financial headache later. If you’re

Getting a driver’s license is a big milestone for your teen and for you. It means more independence, busy schedules made easier, and one less carpool to coordinate. But it also means one important next step — updating your auto insurance. Here’s what to know before your teen hits the road. Do I need to add my teen to my policy? Yes. Typically, you should add your teen driver to your existing auto policy as soon as they’re licensed. Even if they’ll only be driving occasionally

If you’ve ever looked at your insurance policy and thought, “Wait… what exactly is my deductible again?”—you’re not alone. Understanding your deductible is one of the easiest ways to feel more confident about your coverage (and make sure you’re not overpaying). Let’s break it down. What Is a Deductible? Your deductible is the amount you pay out of pocket before your insurance coverage kicks in. For example: If you have a $1,000 deductible and file a claim for $5,000 in damage

​​Spring might mean warmer weather and longer days, but it also brings something drivers don’t love: potholes. After a long winter of snow, ice, and road salt, roads start to break down. And those small cracks? They can quickly turn into tire-blowing, rim-bending, alignment-wrecking potholes. Let’s talk about why pothole season is such a big deal — and what it means for your insurance. Why Are Potholes Worse in the Spring? It all comes down to the freeze-thaw cycle. Water see

When temperatures drop, space heaters become a go-to solution for quick warmth. They’re convenient, affordable, and effective — but they’re also involved in a surprising number of home insurance claims every winter. The good news? Most space heater incidents are preventable. Let’s walk through the key safety rules that can help keep your home safe and avoid costly damage. Why Space Heaters Can Be Risky Space heaters generate high levels of heat in concentrated areas. When com

Smart ways to lower your premium without cutting the coverage you need. If you’ve noticed your insurance rates rising lately, you’re not alone. Between inflation, repair costs, and higher claim frequency across the country, premiums have increased for many drivers and homeowners. The good news? There are still plenty of ways to save — and many of them don’t require reducing your protection. At Cushman Insurance, we help clients find savings every day by reviewing policies, u

Every year, we imagine Santa landing smoothly on snowy rooftops, sliding down chimneys, and delivering gifts with ease. But if we’re being realistic… winter weather conditions, icy shingles, and steep roofs could turn even Santa’s visit into a slip-and-fall scenario. It’s a playful question — but it opens the door to something very real: liability coverage and what it actually protects. So, what would happen if Santa had an accident on your property? Homeowners Insurance Inc

As temperatures drop and winter approaches, many homeowners focus on preparing their homes for snow, ice, and freezing temperatures — cleaning gutters, sealing windows, scheduling furnace checkups, and stocking up on cold-weather essentials. But there’s one important task that often gets overlooked: reviewing your home insurance policy. A quick policy checkup can provide peace of mind, prevent financial surprises, and ensure you’re fully protected against seasonal risks. He

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Graduating college is a huge accomplishment — congrats! Whether you’re landing your first job, getting your own place, or shopping for a...

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When it comes to insurance, many renters may overlook the importance of an umbrella policy, especially since their standard renters...

As we step into the New Year, it’s the perfect time to hit refresh on your insurance policies. Whether you’re shopping for car, home,...