In several states, driver’s education is a requirement to get your license. However, in the state of Tennessee, it is an optional and personal decision. How do I decide if it’s right for us? This truly is a personal choice on how strongly you feel about the benefits. I often suggest to parents that if […]
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 in 2021 spurring this to new heights. Especially when you throw in the appraised amount. What is Market Value The amount a home will sell for is the market value. This can go up and […]
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 mortgagee clause and loan number to your policy. This guarantees that a copy of your policy is sent to your mortgage on your behalf. The mortgage company will require evidence of your policy annually to […]
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, buyers are coming out on top as well. If you’re thinking about upgrading or downsizing while things still look good, here are a few tips. Reduce and Stage Rooms Curb Appeal I know you don’t […]
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 few minutes here to help answer the prelimary questions you have, and get the ball rolling. If after reading this post you want to talk in more depth, please contact me directly. Flood is an […]
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 head into 2021, we are still facing some challenges. There are a couple you should be aware of regarding your home insurance. Refinance Let’s first start by acknowledging the insanely low mortgage rates. So many […]
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 has resulted in less driving during this time. Many of us are no longer driving our commute to work. We’re not traveling every night to sporting events. Nor are we going places for entertainment or […]
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. There have been missed vacations, sporting events, and artistic performances. Many are being laid-off from work or have reduced hours and pay. Relatives are going unvisited in hospitals and nursing homes. Kids and college students […]
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 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 […]
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 […]
