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. […]
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 water can be to sheet rock, cabinetry, flooring, personal property, appliances, and even more. So, you can imagine how quickly the cost of said claim can add up. Wouldn’t it be amazing if you had […]
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 if their asset (home, auto, RV, etc.) is covered at actual cash value or replacement cost value. Usually this questions pertains to homeowners insurance but came sometimes carry over into other types of insurance. What’s […]
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 a certain amount by law. But is that enough? First, let’s visit this question. What is liability insurance? Liability is the portion of your insurance policy that covers other drivers in an accident that you […]
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!” Everyone needs flood insurance. I find that most clients usually mean “am I required to have flood insurance?” You can find that answer here. https://msc.fema.gov/portal/home So let’s get back to the main question here. Do […]
