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 […]
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 that are covered against, as well as losses that are excluded. Sinkholes and Earthquakes are two common exclusions. What is a sinkhole? A sinkhole is a hole that suddenly appears due to some form of […]
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. If you’re a resident of one of the remaining 48 states, it is against the law not to purchase auto insurance. Yet so many drivers on the road do not obey this law. HOW ARE […]
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 it was. Or, maybe you know what it is, but aren’t really sure you need it. Hopefully this post will help you answer those questions. What is Umbrella Insurance? Umbrella insurance is liabilty protection in […]
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 you to show evidence of a renters policy before you can move in. However, even if your landlord doesn’t require it, you still need one. Landlord’s insurance policy: When your landlord puts a dwelling fire […]
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, 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 […]
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 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. The first choice is a captive agency. […]
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 boats out on the water for the season. Hopefully you’ll find that winter has been kind to your boat and all is well. It’s important that just like any other vehicle, your boat needs insurance […]
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 offered from a rental car company. The answer is no. BUT there are a few gaps in coverage that your primary insurance doesn’t provide coverage for that their policy will. First, when you go out […]
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 for insurance each month or year so shouldn’t you know what you’re paying for? Required Coverages Bodily Injury Liability This is typically going to be the first set of coverages you’ll see on a policy. […]
