ATV insurance is often an overlooked coverage because it’s not a law in Tennessee to have it. If you have a loan, the bank may require it. However, even if they don’t, it’s still wise to protect yourself and your investment. Several people are surprised to realize that many homeowner’s policies exclude ATV accidents because […]
Should I keep full coverage on my vehicle?
As an insurance agent, one of the questions I am asked most often is “do I need full coverage?” First, let’s talk about full coverage. It’s a common thought that full coverage means fully protected. However, that’s not true. Your liability limits represent the protection you have against bodily injury and property damage. You will […]
Insurance Card Information
Your insurance card is very important to keep in your glove box. When your renewal comes in the mail, make it a priority to go right then and put the new card in the vehicle. What is on an ID Card? The most important details on the front of your card will tell you the […]
Using your tax returns to pay your insurance premium in full
Having your insurance premium set up on monthly auto draft is a fantastic way to pay your premiums. This is the most common and there are several benefits to choosing monthly EFT. If that is working well for you, this post is one you can skip. However, I am often asked if paying in full […]
Everyone wants to save the most they can on insurance. Although some people miss their greatest oppotunity to do it. And that’s with a bundle discount. What is a bundle discount? When you write more than one policy with the same carrier, you receive a discount for having multi-line policies. This most often happens with […]
What is loss of use coverage?
Have you ever sat down with your declarations page and really looked over the coverages? If you haven’t, you definitely should. Most often when people view their policy, they end up asking important questions they didn’t realize they needed to know. And unfortunately, that usually only happens after a loss has already occured. Reviewing your […]
My mortgage was sold, what now?
We are still seeing unprecedented interest rates and refinances happening. In this process, loans are changing hands constantly. However, most people don’t realize that they should be an active participant in this process. When should I notify my insurance company? If you receive documentation that your loan is sold, please call us right away. It’s […]
Thinking of driving for a ride-sharing company?
Uber, Lyft, and other ride-sharing services are becoming increasingly popular. If you live in or near a city, you may be considering applying to drive to make some extra cash on the side. Here are some important things to know about how ride-sharing applies to your vehicle insurance. What is ride-sharing? Ride-sharing is a competitive […]
Independent vs Captive Agencies
There are two types of personal lines insurance agencies. If you’re not in the insurance world, you may not be familiar with the terms captive and independent. Let me give you a quick break down as to what option is best for you. Captive Agencies The first choice is a captive agency. Most captive agencies […]
Working From Home
In the last 18 months, the number of people working from home has greatly increased. However, the topic of how that works with your home insurance hasn’t really been discussed. So, lets address a few points today. Inventory If your job requires you to make or store product, there is not coverage for it while […]