Everyone wants to save the most they can on insurance. Although some people miss their greatest oppotunity to do it. And that’s with a bundle discount. What is a bundle discount? When you write more than one policy with the same carrier, you receive a discount for having multi-line policies. This most often happens with […]
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 should. Most often when people view their policy, they end up asking important questions they didn’t realize they needed to know. And unfortunately, that usually only happens after a loss has already occured. Reviewing your […]
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 people don’t realize that they should be an active participant in this process. When should I notify my insurance company? If you receive documentation that your loan is sold, please call us right away. It’s […]
Working From Home
In the last 18 months, the number of people working from home has greatly increased. However, the topic of how that works with your home insurance hasn’t really been discussed. So, lets address a few points today. Inventory If your job requires you to make or store product, there is not coverage for it while […]
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 […]
Bundling your insurance
The best way to pay the lowest premiums possible for your insurance is to bundle your policies together with us. When you have multiple policies, they each individually qualify for a discount. The multi-policy discount, which ranges from 10-20%, is added to each policy reducing the premium. Always reach out to us Anytime you purchase […]
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 the most common and there are several benefits to choosing monthly EFT. If that is working well for you, this post is one you can skip. However, I am often asked if paying in full […]