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Overbay Insurance Services Blog

View the latest blog posts from Overbay Insurance Services.

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Thursday, May 18, 2023

Understanding Non-Owners Auto Insurance

When it comes to auto insurance, there are many people who don’t understand their coverage. In fact, there are people without cars who don’t see the need for coverage at all, although they drive. To make matters worse, they assume that the car owner has insurance that will cover them and the other vehicle if they are in a wreck. READ MORE >>

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Wednesday, April 26, 2023

Have a Mortgage? You Need Homeowner’s Insurance

Very few people can afford to pay for a new home in cash. That’s why most home buyers finance their home with a mortgage or other property loan. Once you take out a loan, it is your responsibility to repay it to the bank over the years.   However, what happens if something happens to your home in the meantime? READ MORE >>

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Friday, March 31, 2023

Renters Insurance Myths

If you’re a renter, one of the most important things you need to have is adequate renters insurance. Yes, you need specific insurance to help protect your personal belongings and yourself in case of an incident at your rental property (e.g., apartment or condo). READ MORE >>

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Monday, February 20, 2023

The Benefits of Using an Independent Insurance Agency to Get Car Insurance

If you are in the process of registering your car, you’ll most likely have to buy car insurance. The law requires every driver to carry minimum levels of coverage. It’s an important mechanism to always help the policyholder behind the wheel.   READ MORE >>

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Monday, January 16, 2023

Generator Tips for Your Home

When the power goes out in the winter, homeowners become concerned about their house getting too cold. The health of family members is an issue. In addition, pipes could freeze and burst, causing significant damage to the home. Many families rely on generators to keep their home warm when the power fails. READ MORE >>

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Wednesday, December 21, 2022

BOPs and Your Business

As a small business owner, it’s up to you to ensure the protection of everything you and your staff have worked so hard for. You probably already know that business insurance is a good idea, but piecemeal coverages—which can be time-consuming and pricey—can be hard to keep up with. READ MORE >>

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Wednesday, November 9, 2022

Getting Life Insurance After You Turn 65

As you get older, you’re probably going to take pride in all you’ve built in your life. But, as the years roll on, it’s also time to think about the day when you won’t be around anymore. You want to make it easier for your loved one to pick up the pieces after your passing. READ MORE >>

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Thursday, October 27, 2022

Vacation Home and Airbnb Insurance

If you own a vacation home, it’s essential to secure appropriate insurance. Policies can provide coverage if you and your family intend to use the property or if you plan on renting it through a platform like Airbnb. READ MORE >>

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Wednesday, September 21, 2022

What Type of Homeowners Insurance Policy is Best for Me?

Picking the right homeowners insurance coverage for your home is vital. After all, in addition to your mortgage, you have a significant investment in your home, from closing costs, renovations, additions and improvements you've made. There are six different types of homeowners policies, the most popular being HO3. READ MORE >>

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Monday, August 15, 2022

The Benefits Of A Good Driving Record For Bikers

As a motorcyclist, you likely know that you need skill to ride safely. Bikes, after all, are two-wheeled vehicles. You’ll need to adapt a different mindset than you would while driving a standard car. A bike’s speed and maneuverability might lead riders to take unnecessary risks. READ MORE >>

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