Explore Insurance Tips & Resources

high end closet
Coverage Limits
Fathom

Insuring Your Closet? Yes!

In the event of a disaster, homeowners insurance will pay the agreed amount to rebuild or repair the home. But what about the things inside the home? Anything in your closet that isn’t jewelry or

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maid with cleaning supplies
Handling Claims
Fathom

Accused of Wrongful Termination

Many clients have the ability to hire personal staff to help make life easier. Housekeepers, nannies, caretakers, and personal assistants are all wonderful resources for busy families. But if the employee is hired directly (no

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brick pool house
Audit Results
Fathom

The Correct Value of “Other Structures”

Homeowner’s policies cover the “Dwelling” (the main home structure) and then separately provide coverage for “Other Structures” (those not attached to the main home) which can include: detached garages, guest homes, sheds, fences, pools/pool houses,

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art collection on gallery wall
Premium Carriers
Fathom

Art Collections Need More Than Just Insurance

Certain carriers go above and beyond for their clients with high-valued art and collectibles. They can provide services like transportation recommendations when moving art on loan to a gallery or museum, advice on how to

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a pile of letters
Insurance Review
Fathom

Not Licensed In That State

Insurance agents must be licensed in every state they place business in. Often times an agent will not be licensed or have the carrier options outside their home state. This becomes an issue when your

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broken laptop and dollar bills
Handling Claims
Fathom

Phishing Scammer Steals Deposit

Hackers are getting more sophisticated by the day. Having the proper protection to come to the rescue in times of a breach is priceless. Several of our carriers offer a standalone personal cyber policy that

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brick wall with a crack
Insurance Review
Fathom

Do You Need Earthquake Coverage?

Do your clients have earthquake coverage in their homeowner’s insurance policies? A select few may, but most policies exclude damage caused by earthquakes. Some carriers offer earthquake coverage that can be purchased as an endorsement

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luxury condos
Insurance Review
Fathom

Even Renters Need Umbrella Liability Coverage

With no car and a simple apartment, Andrew, the adult child of significant family wealth, thought he didn’t need any insurance. But that’s not the case at all! While a renter’s policy will help with

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Piggy Bank
Handling Claims
Fathom

How to Lower Your Homeowners Insurance Premium

Though a successful client had never turned in a claim for anything under $10,000, they had left their homeowners policy deductible at $250 for many years. But by having their deductible so low, they were

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Confused Potatoes
Handling Claims
Fathom

Claim Hot Potato

One of our new clients discovered no one was his advocate during the claim process with his previous carrier. Having an accident is already a challenge, but it’s compounded when you discover you must manage

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Audit review
Audit Results
Fathom

Trustee & Endorsement Insurance

I just experienced something that needs to be shared. Our new client has been a trustee for years. In his role, he is responsible for a challenged, but independent adult. Our insurance audit uncovered that

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