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Insurance Blog

Cost guides, coverage breakdowns, and expert insights to help families and businesses make confident insurance decisions

Mechanic working on a customer vehicle in an auto repair shop representing the custody and care exposure every automotive business faces that requires garage keepers insurance to fill the gap left by standard commercial property and general liability policies.

Why Do I Need Garage Keepers Insurance? Real Scenarios [2026]

Why Do I Need Garage Keepers Insurance? Real Scenarios in 2026 Quick Answer: If your business takes custody of customer vehicles for any reason...

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Navy and gold Pro Insurance Group graphic with the shield logo and the headline What Is Physical Damage Insurance and Do I Need It?, by Dave Rysavy, Personal Lines Advisor

What Is Physical Damage Insurance and Do I Need It?

Quick Answer: Physical damage insurance covers damage to your own vehicle up to the policy limit from collisions, natural disasters, and...

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Navy and gold Pro Insurance Group graphic with the shield logo and the headline 5 Essential HOA Insurance Policies, by Neal Fusco, VP Commercial Lines

5 Essential HOA Insurance Policies

Quick Answer: The five essential HOA insurance policies are directors and officers coverage, general property insurance, general liability,...

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Navy and gold Pro Insurance Group graphic with the shield logo and the headline Common HOA Insurance Claims and How to Prevent Them, by Neal Fusco, VP Commercial Lines

Common HOA Insurance Claims

Quick Answer: The most common HOA insurance claims are directors and officers claims, general liability claims like slip and fall injuries,...

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Navy and gold Pro Insurance Group graphic with the shield logo and the headline What Kind of Insurance Policy Does a Landlord Need?, by Neal Fusco, VP Commercial Lines

What Kind Of Insurance Policy Does A Landlord Need?

Quick Answer: A landlord needs a landlord insurance policy that covers the rental building, general liability, and loss of rent, since a...

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Navy and gold Pro Insurance Group graphic with the shield logo and the headline Landlord Insurance for Short-Term Rentals, by Neal Fusco, VP Commercial Lines

Do I Need Landlord Insurance For Short-Term Rental?

Quick Answer: Yes. If you rent your property for short stays of 30 days or less, you need landlord or short-term rental coverage. Standard...

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Navy and gold Pro Insurance Group graphic with the shield logo and the headline 3 Key Policies Your HOA Insurance Should Have, by Neal Fusco, VP Commercial Lines

3 Key Policies Your HOA Insurance Should Have

Quick Answer: The three key policies every HOA should carry are property insurance on the buildings and shared structures, general liability...

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Navy and gold Pro Insurance Group graphic with the shield logo and the headline Questions to Ask Your Landlord Insurance Provider 2026, by Neal Fusco, VP Commercial Lines

Important Questions To Ask Your Landlord Insurance Provider

Quick Answer: Ask your landlord insurance provider how cost is calculated, whether the policy covers lost rental income, what liability limits...

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Navy and gold Pro Insurance Group graphic with the shield logo and the headline Key Differences Between HOA Fees and HOA Insurance, by Neal Fusco, VP Commercial Lines

Key Differences Between HOA Fees And HOA Insurance

Quick Answer: HOA fees are the regular dues members pay to maintain common areas, amenities, and services like landscaping and waste removal....

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