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 […]
Bundle Discounts
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 […]
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 […]
Do I need an umbrella policy?
I’ve described in detail previously explaining umbrella policies. For a quick refresher – jump here and then come back. Today I specifically want to point out a couple reasons why you most likely do need one and didn’t even realize it. Your auto insurance has a maximum payout. When you purchase insurance, you’re purchasing a […]
Are certain vehicles more expensive to insure than others?
A question I am asked often is “Does it matter what vehicle I purchase from an insurance standpoint?” What you really want to know is if there is a vehicle you can buy that will be more or less expensive to insure. So let me tackle that question quickly in this post. Which vehicles cost […]
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 […]
Do I have any coverage for my appliances?
One of the leading causes of water loss is appliance breakdown. It may be from a washing machine, refridgerator, or water heater. In all of the those circumstances, the same coverage would apply. What part of my coverage covers appliances? Since appliances are not a permanent structure to the home, they are not covered as […]
Reading my auto declarations page – Part 2
Today we’ll continue with the second part of reading and understanding your auto declarations page. If you missed part one, please check it out here. Loss Of Use This coverage is for rental reimbursement when a rental car is needed after a covered loss. You may purchase this coverage when you carry full coverage (comprehensive […]
