IronPoint Insurance Services, LLC

You're signing a lease, everything looks good, and then you hit a line that says: "Tenant shall maintain a renters insurance policy throughout the term of the lease."

Wait — can they actually require that?

Yes. And here's the part most landlords don't bother to explain: that requirement might be working more in your favor than theirs.

A few things worth knowing:

Your landlord's insurance covers the building. Your stuff? Not on the list. Furniture, electronics, clothing — none of it is touched by their policy after a fire or break-in. A lot of tenants find that out the hard way.

The liability side is actually where the real exposure is. A guest slips, your dog bites someone, a forgotten bathtub overflows into the unit below — you could be holding the financial bag. Renters insurance covers that.

And if a fire or water damage forces you out temporarily? Your landlord isn't obligated to house you. Hotels in most cities run $150–$250 a night. Renters insurance picks up that tab, too.

The cost? Usually $12–$20 a month. Bundle it with your auto, and it can cost even less.

It's one of those rare lease requirements that's actually on your side.

We broke down everything you need to know — what landlords can require, what they can't, and what the coverage actually does for you. 👇

https://www.ironpointinsurance.com/can-a-landlord-require-renters-insurance/

Clean driving record. No claims. No tickets.

Still paying more than you expected?

Your credit score might be the reason — and most drivers have no idea it's even a factor.

Insurers use a credit-based insurance score to predict how likely you are to file a claim. Better credit generally means lower rates. Poor credit can add hundreds to your annual premium, even if you've never had an accident.

The full breakdown is at the link — including what actually goes into the score and how to use it to your advantage.

👉 https://www.ironpointinsurance.com/credit-based-insurance-scoring/

Love this! We are rooting for our partners in AdvisorCovered.com. Such an awesome idea to make buying E&O insurance as easy as GEICO makes auto insurance. Great idea, best of luck!

We're proud to announce the launch of AdvisorCovered.com.

IronPoint has been placing E&O insurance for financial professionals since 2007. What used to take days of broker submissions and paperwork can now be done entirely online — in minutes.

RIAs, IARs, financial planners, and insurance agents can now quote, bind, and manage their professional liability coverage on any device, at any time.

Coverage underwritten by National Casualty Company, a Nationwide Insurance Company. Available in all 50 states.

The process was overdue for a change. We built it.

Quote and buy in minutes at AdvisorCovered.com

We’re thrilled to share some good news — Mercury Insurance is back at IronPoint!

Mercury was one of our very first carrier partners when we launched in 2010, and now they’ve rejoined our lineup. It’s a reunion that feels like coming home — and a big win for California drivers looking for strong, reliable coverage.

Learn more about why this partnership matters and what it means for you:
👉

Mercury Insurance is Back at IronPoint Insurance Mercury Insurance has rejoined IronPoint — a full-circle moment with one of our original carrier partners. It’s a return to our roots and great news for California drivers looking for more choice, value, and stability.

Halloween is a treat for humans—but a potential horror show for pets. 🍫🐶

From chocolate to doorbell chaos, October 31 is packed with hidden hazards.

Keep your pets safe (and out of the emergency room) with our quick-read guide on candy, costumes, and decorations:

👉 https://www.ironpointinsurance.com/halloween-pet-safety/

Because the scariest part of Halloween shouldn’t be your vet bill.

You’ve probably seen the headline. Maybe even felt that gut-drop moment if you’re an agent—or a flicker of curiosity if you’re a small business owner. But before we take it at face value, let’s look at what’s really happening behind the numbers.

The truth? Most small business owners still rely on agents when it matters most. Sure, digital quoting is growing—but when the questions get complex, business owners want a human who can help protect what they’ve built.

We break down what the data actually says and why the future isn’t online vs. agent—it’s digital + human.

👉 Read the full post here: https://www.ironpointinsurance.com/online-buisness-insurance/

Think you're fully covered with business insurance? Think again. 😬

Most business owners discover their coverage gaps at the worst possible time—when they need to file a claim. From cyber attacks to employment lawsuits, these 10 common business insurance gaps could cost you everything.

Don't wait until it's too late. Our latest blog breaks down the most expensive mistakes hiding in your policy and shows you exactly how to fix them.

👉 Read the full article: https://www.ironpointinsurance.com/business-insurance-gaps/

National Safe Boating Week Spotlight: Kids on Board? Read This First.

Boating with children is magical—but only if you plan like a pro. As part of National Safe Boating Week, we’re sharing our ultimate guide to keeping your smallest crew members safe, confident, and engaged on the water.

✔️ Real-world safety tips (not the kind they print on brochures)
✔️ How to turn your kids into junior crew members
✔️ The one insurance tip that might just save your summer

Whether you're a first-time captain or a seasoned skipper with toddlers in tow, this is a must-read before you launch.

👉 Start here: https://www.ironpointinsurance.com/boating-with-children/

Boating with Children: The Ultimate Guide to Creating Safe, Unforgettable Water Adventures Boating with children is more than life jackets and sunscreen. Learn how to create safe, confident, and unforgettable memories on the water.

🧠 Boating Safety Week Isn’t About Looking Cool—It’s About Staying Safe

You’ve seen the photos: sun-kissed boaters, no life jackets in sight, drinks in hand, looking like they’re living their best life. But here’s the truth, the water doesn’t care if you look cool: safety gear saves lives.

💡86% of people who drown in boating accidents weren’t wearing life jackets.
And no, your CrossFit membership won’t help you float if you hit your head and go overboard.

This National Safe Boating Week, we’re making a different kind of splash—with tips that won’t win likes but could save lives:

🛟 Wear a real life jacket (yes, even if it ruins the vibe)
⛅ Check marine weather forecasts (your app isn’t good enough)
⚙️ Maintain your boat like your life depends on it—because it does
🚨 Stock safety gear you hope to never use (fire extinguishers, flares, first aid)
🍻 Skip the “boat drinks” if you’re the captain—it’s not just smart, it’s legal

The water doesn’t forgive ignorance, and most “accidents” are preventable.
Let’s make this summer unforgettable—for all the right reasons. 🌊

Want to learn more?
👉 Check out our post: https://www.ironpointinsurance.com/boating-safety-tips/

You’ve seen the photos: sun-kissed boaters, no life jackets in sight, drinks in hand, looking like they’re living their best life. But here’s the truth: the water doesn’t care if you look cool; safety gear saves lives.

Why are your insurance premiums skyrocketing—even if you've never filed a claim?

It might not be inflation. Or your claims history. Or your zip code.

It might be outside investors betting on lawsuits against businesses like yours.

That’s right—there’s a booming industry where hedge funds bankroll lawsuits in exchange for a piece of the settlement. And it’s turning the legal system into a financial market—with small businesses caught in the middle.

We broke it all down in this post: how it works, why it matters, and what you can do to protect your business.

💥 Click to read the full post → https://www.ironpointinsurance.com/third-party-litigation-funding/