If you’ve already experienced a claim, you’ve likely learned how your deductible works first hand. For those who haven’t, it can cause confusion about just what a deductible is and…
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.
When it comes to your roof, age matters at claim time
Wind and hail storms have been increasing in frequency over the past several years. As a result, some insurance companies have begun offering to cover roofs for Actual Cash Value…
The Two Most Frequently Asked Insurance Questions about College Students
College is a big step toward gaining greater independence as a young adult. With this comes the responsibility of learning how to protect your assets while creating a financially secure…
Five ways to prevent theft this holiday season
E-commerce companies, those companies offering online sales, experience a 16% increase in revenue during the holiday season. With increased sales comes an increase in shipping volume, about 26%, usually directly…
Common Factors That May Influence the Price of Your Auto Insurance Policy
Thinking of “cutting corners” on coverage to lower your auto insurance premium? While coverage and deductible levels play a part in your overall premium cost, there are several other factors…
Stacked Versus Non-Stacked Liability Limits for Your Personal Auto
Have you heard about “stacked versus non-stacked” coverage, but aren’t quite sure what that means? And the words “uninsured” and “underinsured” are associated with this type of coverage, but again,…
Insurance for Home-Based Businesses
Operating your business out of your home can be exciting and rewarding but can also be a nightmare if you aren’t adequately insured based on your business model. Many home-based…
Do dog breeds affect homeowners insurance?
There’s a large checklist of tasks to complete when you add a dog to your family; set-up veterinarian appointments, get supplies, food, toys, pick out a name, etc. But is…
Is your home winter-ready?
In 2019, the Insurance Information Institute reported that winter storms and cold waves caused more fatalities than any other kind of natural catastrophe, with property damages totaling over $7 billion. In preparation for the winter season, use…
Factors That Could Drive the Cost of Your Homeowners Insurance
Homeowners insurance rates are calculated with your house in mind—from your roofing to your hot tub to the breed of your dog. It’s important to know which facets of your…