Three out of five American homes are underinsured by an average of 20 percent according to CoreLogic, a firm that many insurance companies rely on for help in calculating the…
Welcome to Personal Insurance 101!
It is our hope that you will find valuable educational and informational material in this section that will help enhance your knowledge of personal insurance.
It Pays to Remember Your Umbrella
An umbrella may not cost much, but the protection could be priceless. No matter how careful you are, a typical day at home, a routine trip to the practice field,…
Actual Cash Value vs. Replacement Cost Value
The “depreciation difference” homeowners and renters need to know about. How do you decide which coverage is right for you? Sometimes the best way to explain coverages is through an…
Understanding your personal auto policy: collision coverage versus other than collision coverage (aka comprehensive)
Are these required coverages? No, unless your vehicle is financed. If you financed the purchase of your car, your finance company or bank might require that you carry certain coverages…
Things to Consider as You Purchase Auto Insurance
Ask about the discounts an insurance company offers, and about how it might surcharge you in the event of an accident. These things can vary from company to company, so…
Seven Reasons to Choose an Independent Agent
Insurance can be a complicated purchase. You’re not buying bread or milk. You’re buying a promise of protection that could potentially make or break your financial well-being. How do you…
Ridesharing and Insurance
You’ve probably heard of ridesharing companies by name, such as Lyft® and Uber®. But, do you know enough about these and other Transportation Network Companies (TNCs) to protect yourself in…
Equipment breakdown coverage: Protect the equipment you depend on every day
A standard homeowner’s policy provides a great foundation to build on for protecting your home and personal property. But there are gaps, or areas in the policy where you might…
Cheaper Car Insurance Can Cost You More in the End
The old adage “you get what you pay for” still holds true, especially when you are purchasing car insurance. You want an affordable policy that will provide the coverage you…
Tips for Purchasing Car Insurance for Young Drivers and Students
A driver’s license…it’s one of the most memorable milestones for you and your teen. After months of behind-the-wheel practice, your teen is ready to set out on his or her…