Do I need insurance for my ATV, Gator, or Golf Cart?
ATV insurance is often an overlooked coverage because it’s not a law in Tennessee to have it. If you have ...
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, ...
Insurance Card Information
Your insurance card is very important to keep in your glove box. When your renewal comes in the mail, make ...
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 ...
Bundle Discounts
Everyone wants to save the most they can on insurance. Although some people miss their greatest oppotunity to do it ...
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 ...
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 ...
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 ...
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 ...
Working From Home
In the last 18 months, the number of people working from home has greatly increased. However, the topic of how ...
Should my child take Driver’s Education?
In several states, driver's education is a requirement to get your license. However, in the state of Tennessee, it is ...
Market Value, Appraised Value, and Replacement Cost
The topic of market value verses replacement cost has always been in discussions. However, we are seeing some unprecedented realities ...
Congratulations to Mrs. Emily Long
It's with great pleasure I get to announce the recent marriage of Strategic Insurance Group's Agency Manager, Emily Long. Most ...
What is a Mortgagee Clause?
If you have a mortgage on your home, you need to read this post. Your insurance company must add your ...
Do I need an umbrella policy?
I've described in detail previously explaining umbrella policies. For a quick refresher - jump here and then come back. Today ...
Are certain vehicles more expensive to insure than others?
A question I am asked often is "Does it matter what vehicle I purchase from an insurance standpoint?" What you ...
Thinking of selling your home? Here are a few tips!
No one can deny that these past two years have been a seller’s market. However, with the plummeting interest rates, ...
What you need to know about Flood Insurance
In the last two weeks, the topic of flood insurance has been in hot discussion. I wanted to take a ...
Bundling your insurance
The best way to pay the lowest premiums possible for your insurance is to bundle your policies together with us ...
Using your tax returns or stimulus money for your insurance premium
Having your insurance premium set up on monthly auto draft is a fantastic way to pay your premiums. This is ...
Do I have any coverage for my appliances?
One of the leading causes of water loss is appliance breakdown. It may be from a washing machine, refridgerator, or ...
Everything you need to know about your Home Insurance & Escrow Account
Happy New Year! The year 2020 was definitely different for all of us, and brought about some changes. As we ...
Reading my auto declarations page – Part 2
Today we'll continue with the second part of reading and understanding your auto declarations page. If you missed part one, ...
Reading my auto declarations page – Part 1
When you purchase an auto insurance policy, the company mails a thick packet of papers to you. The terms of ...
Have family in town for the holidays? Here’s what you need to know.
This has been a hard year for all of us. If it worked out for you to have family in ...
Buying a new vehicle
Today we're going to quickly discuss the info you need to update your auto insurance when you buy a new ...
The loose ends of selling a home
Understanding the roles between the mortgage lender, the insurance agent, and the customer can sometimes be confusing. Mortgage lenders talk ...
When should I call my agent?
Let's chat for just a second about when is the right time to call us. Whether you have a quick ...
What is Roadside Service?
Roadside Assistance is an optional insurance coverage on your auto policy. Sometimes it is referred to as Towing and Labor ...
An insurance suggestion for Landlords
Real estate is an ever-growing means to providing additional income for your family. Several people are beginning to own property ...
Low Mileage Discount
A very popular question lately has been,"what are the eligibility requirements for the low mileage discount?" With several people still ...
Do you own a monitored security system?
When you call us to quote your homeowner's insurance, we start by asking you a series of questions. These questions ...
We’re here to serve you!
It's been awhile since we've wrote a post introducing ourselves and making sure you have all of our contact information ...
Why do I have two auto deductibles?
Understanding all the insurance terms on your auto policy can be taxing. If you want to take a minute to ...
Understanding my deductible
Knowing all about your deductible before a loss is extremely important. Having to get a vehicle repaired, a roof replaced, ...
Understanding your role between your escrow account and your home insurance.
In an effort to make things sound very simplistic, mortgage companies can leave out some important details about your role ...
Who is covered under the medical payments portion of my auto policy?
Medical payments and bodily injury liability are two seperate coverages on your auto insurance policy. However, they can be misleading ...
Pool tips for a safe and fun summer.
It's that time of year again. Fun in the sun, lounging on a float, kids splashing away with giggles and ...
Less driving equals cash back
Today I'm excited to bring you good news from the insurance world. As you all know, a national stay-at-home quarantine ...
The positives during this crisis.
Can we all just admit, this has been a hard couple of weeks? We're all feeling the effects of Covid-19. ...
Why am I being asked those questions?
If you're a first time home buyer, or are moving after living in your home for a number of years, ...
Will the insurance replace my roof?
While there are a variety of claims filed each year, the vast majority are due to a damaged roof or ...
Am I covered if I have an accident in another state?
I recently talked about some of the differences in policies from state to state. Due to the those differences, it ...
No Fault Insurance verses Tort Insurance
Middle Tennessee seems to be an ever-growing area of popularity. People from all over the country move to Nashville and ...
Failure to Control
One very common phrase we hear when determining what type of coverage an insured is looking to purchase is, "I'm ...
Do I have Rental Reimbursement on my policy?
There are a few different reasons why you might be renting a vehicle. These varying circumstances can cause the words ...
Help! I have a loss caused by someone without insurance.
In a previous post, we discussed in depth the uninsured / underinsured portion of your auto insurance policy. That specific ...
Keep more of your money in your pocket by bundling today!
We get it, shopping for insurance is not the most fun thing on your to-do list. With all the holiday ...
Preventing Christmas Tree fires
We're a week into December now, so it's likely most homes have a Christmas tree or two up as part ...
Safeco Insurance Award goes to EMILY MARKWOOD
Safeco Insurance Award of Distinction 2019 Emily Markwood earns Safeco Insurance Award of Distinction for Outstanding Performance. At Strategic Insurance ...
Understanding preventative maintenance verses a covered loss
Understanding what is covered on your insurance policy before a loss happens helps you know how to be proactive. Preventative ...
Scheduling items on your home or renter’s policy
Home insurance policies have an endorsement available to insure some of your more valuable items. Buying separate insurance from a ...
How are my premiums calculated?
One thing every insurance agent who has been in the business more than three months has heard is, "So & ...
What does this mean: “insurance follows the vehicle?”
This is actually a confusing topic for many people. Most think the person driving the vehicle who causes an accident ...
Some items were stolen from my car, is this an auto or home claim?
You tried to be careful. Covered your purse with an extra jacket in the car. Locked your expensive golf clubs ...
Insuring your teen driver
Ah yes. The excitement, freedom, and independence that come with turning sixteen years old. It's a milestone that every kid ...
Do you have your ATV, Golf Cart, and Gator insured?
ATV insurance is often an overlooked coverage because it's not a law in Tennessee to have it. If you have ...
Facts for Uber/Lyft and other ride-sharing drivers
Uber, Lyft, and other ride-sharing services are becoming increasingly popular. If you live in or near a city, you may ...
Am I covered against Sinkholes?
Did you know that some losses are excluded on a standard homeowner's insurance policy? Your policy language will include perils ...
Uninsured/Underinsured protection is important coverage
The only two states in which it is not a law to carry auto insurance is Virginia and New Hampshire ...
Don’t be caught without an Umbrella
If you're reading this, it's likely the title intruiged you. Maybe you've heard of Umbrella insurance but didn't know what ...
Do I really need a renters policy?
The answer to this question if you rent is always, yes. Is it required? Some apartment complexes will require ...
Do I Need Full Coverage?
As an insurance agent, one of the questions I am asked most often is “do I need full coverage?” First, ...
What is an independent agent & should I use one?
There are two types of insurance agencies to do business with for your needs. If you’re not in the insurance ...
Everything You Need To Know About Boat Insurance
With the weather warming up and Memorial Day just around the corner, many boaters are going to be getting their ...
I’m renting a car. Do I need their insurance?
One of the questions I get frequently as an agent is if one needs to purchase the insurance coverage that’s ...
Understanding My Auto Insurance Policy Coverage
Have you ever received your renewal for your auto insurance and wondered what the coverages and numbers mean? You pay ...
Water Mitigation: Prevention of Water Damage
Did you know water damage is the second most frequently filed homeowners claim? Many times, the damage left behind by ...
Actual Cash Value vs Replacement Cost
What’s the difference between actual cash value and replacement cost value? Many consumers purchase insurance and never think to ask ...
Is State Minimum Liability Coverage Enough?
Some of the most common questions I get in insurance revolves around liability limits. Sure, Tennessee requires you to have ...
Do I Need Flood Insurance?
One question I’ve been asked many times by clients is “do I need flood insurance?” The simple answer is “Yes!” ...
How Does the Government Shutdown Affect My Insurance?
Since December 22, 2018, the United States government has been shutdown. With the shutdown still looming with no end in ...
Do I Need Earthquake Coverage?
With the recent earthquakes in Tennessee, many of our clients are wondering what that means for them. You may be ...
DUIs and Insurance Implications Associated with DUIs
December is National Impaired Driving Prevention Month. Why this time of year? What does that mean for insurance? The National ...
Thanksgiving and Black Friday Safety Tips: How to Have the Best and Safest Holiday Weekend
How are you spending your Thanksgiving holiday? Are you staying home? Traveling to a friend’s or family member’s house? Are ...
