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 […]
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 sight, many people are wondering how different aspects of their lives will be affected. Life goes on. Bills still need to be paid. And there is no indication that this is ending anytime soon. We […]
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 surprised to learn that damage to your home caused by an earthquake is not covered by a standard homeowner’s policy. After learning that, you may find yourself asking, what can I do to make sure […]
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 Association of Drug Court Professionals describes the time between Thanksgiving and New Year’s Day as “one of the deadliest and most dangerous times on America’s roadways due to an increase in impaired driving.” So, what […]
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 you resting up for a big day of shopping on Black Friday? Maybe all the above? Here are a few safety tips for whatever you may have planned. Safety At Home According to the American […]
