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Personal Insurance

Are Your New Holiday Gifts Covered by Insurance?

By Personal Insurance
The holiday season often brings joy, festivity, and excitement, as well as an influx of new and valuable possessions. Whether it’s a delicate piece of jewelry, a rare book, or the latest camera equipment, these high-value gifts can bring both happiness and a hint of worry. What if something happens to them? This is where insurance comes into play. Why Consider Insurance for Your Holiday Gifts? Imagine unwrapping a brand-new guitar on Christmas morning, only to have it slip from your hands. Or perhaps your new watch gets misplaced during a New Year’s celebration. These scenarios highlight the importance of…
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Winter Safety Tips for Homeowners

By Personal Insurance
Winter can be a picturesque wonderland, but it also brings challenges for homeowners. Ensuring the safety and integrity of your home during this harsh season is paramount. This blog post provides a detailed roadmap on winter safety measures that can help protect your home and loved ones.   Preparing Your Home for Winter Before winter's arrival, some preparatory steps are essential for the safety and efficiency of your home. Consider the following steps:   Inspect Your Home's Exterior for Damage Make sure to do a thorough inspection of your home’s roof, siding, and foundation. Damage to your home’s exterior can…
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The Advantages of Personal Umbrella Insurance

By Personal Insurance
It's a sunny day, you're cruising along, and life feels just right. But then, out of nowhere, a figurative cloud appears in the form of an unforeseen lawsuit or accident. And your standard insurance policy doesn’t cover the costs. This is why personal umbrella insurance, though oft-overlooked, is crucial for protecting what you've worked hard for against life's unpredictable storms. Understanding Personal Umbrella Insurance Imagine personal umbrella insurance as the extra-wide brim of protection extending beyond the limits of your auto or home insurance. It’s there to provide extra protection against those hefty legal or medical bills that could strip…
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Protecting Your Investments from Water Damage

By Personal Insurance
In the ever-changing property market, there's one sneaky threat that homeowners and business owners often overlook: water damage. While we might worry more about burglaries or fires, the stats tell a different story: properties are six times more likely to suffer from water damage than theft and seven times more than fire. At Kapnick Insurance, we get how serious this is, and we want to help you understand and tackle it head-on. (more…)
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The Dangers of Renting Out Your Home

By Personal Insurance
Renting out your home, or even a second home as a vacation rental, can seem like an attractive option for generating extra income, especially if you'll be away for an extended period. However, it's crucial to understand the risks and liabilities involved to protect yourself and your property. Below are some tips to help you navigate these potential pitfalls and ensure a smoother rental experience. (more…)
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Transforming Hospitality Management with Kapnick’s Wellness and Work Comp Solutions

By Personal Insurance
At Kapnick, we're not just about ticking boxes when it comes to risk management and worker's compensation — we're about revolutionizing the way hospitality businesses view and incorporate wellness into their everyday operations. It's our firm belief that a holistic approach to employee health and safety, one that combines rigorous risk management with proactive wellness programs, isn't just good policy — it's good business. (more…)
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Are your personal liability limits too low?

By Personal Insurance
When considering personal insurance, understanding and evaluating your personal liability limits is crucial for ensuring adequate protection in case of unexpected incidents. Setting your limits too high can result in unnecessarily high premiums, though typically, people set their limits too low in order to save money on their premiums over the short term. Unfortunately this can have disastrous consequences in the event of an incident. (more…)
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How to Deal with Rising Homeowners Insurance Rates

By Personal Insurance
Home insurance is a critical financial safety net, protecting one of your most valuable assets. But this essential service is becoming noticeably pricier. A recent report by Insurify indicated that Michigan is expected to experience the third-largest surge in homeowners insurance rates in the country in 2024 on a percentage basis, with an anticipated rise of 14%. There are numerous factors causing this uptick, but there are also ways to help you mitigate rising prices. Kapnick can help. (more…)
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