Blog

September is Life Insurance Awareness Month!Recent dated collected by LIMRA, shows the majority of Americans know that life insurance is an important coverage to have, however, according to the data collected, 46% of American adults...

The average dog owner spends $638 annually on routine and surgical visits to the vet. Insuring your pet can help ease the financial burden. The cost of pet insurance is not only affordable, it can also help you save on pet care through...

With hail season right around the corner, here are some useful tips from Travelers Insurance on how to identify hail damage on the roof of your home.Roof hail damage can be random with no discernible pattern, while hail damage to...

As the world reels from the effects of COVID-19, no one is exempt. Even those who remain healthy have had their lives changed. And we know that workers in every industry are dealing with changes, from reduced hours to working remotely...

For many businesses, allowing employees to work from home has changed from a privilege or perk to a necessity as measures are being taken to slow the spread of the novel coronavirus that causes COVID-19. As they shift from having full...

Hailstorms don’t last long, but they pack a real punch. Every year, hail causes nearly $1 billion in damages, mostly to roofs and cars. You can save hundreds of dollars and hours of cleanup by making sure you understand your...

During COVID-19 many of us have experienced significant changes to our lives. Whether that is losing a job, taking a pay cut, making your home your permanent office, home schooling your kids, etc. We are lucky to work in an industry...

On Friday, March 27th, President Donald Trump signed into law the Coronavirus Aid, Relief, and Economic Security (CARES) Act. The Act is intended to assist business owners with all types of financial needs they currently have. There...

As agents we are frequently asked “why does my auto insurance rate increase every year?!” While this is a complicated answer, a common thread in this discussion is always distracted driving. Cellphone use and car technology...

The answer…YES! The use of technology is an important aspect of any business model in today's time. Technology is what helps businesses reach more clients, achieve higher efficiency and build their brand, however, it also places...

Currently heart disease is the number one cause of death to people in the United States. Heart health is an important topic for people of all ages and genders to consider. Many people associate heart disease with older people, however,...

With the entrepreneurial spirit at a high here in the United States, many people are starting businesses based from their home in order to save cost in the early months and to provide an element of convenience; they can use as much...

Goal setting is one of the most important habits we can create in business and in our personal lives. Goals are a way of keeping many of us on track to achieve our dreams and they are a great way to hold us accountable for our progress...

Each year as the winter season kicks into full force and we start experiencing daily freezing temperatures, we begin to see more cold weather related claims trickle in from our customer that own rental properties. One of the most...

Most of us associate Thanksgiving Day as a holiday to spend time with family, watch football, and eat a ton of food! What most people don’t know, is that Thanksgiving is also the number one day of the year for home fires....

In our opinion Veteran's Day is one of the most important recognized holidays in the calendar year, however, many Americans have no idea what the holiday is for and most often confuse Veteran's Day with Memorial Day. Understanding the...

"Do I have named perils or comprehensive coverage on my homeowner's insurance policy?" Most customers don't know that this is a question they need to be asking their agent every time they get a new homeowner's policy. The coverage...

Breast Cancer is the most common type of non-skin cancer in women in the United States and the U.K. According to the American Association of Cancer Research Breast Cancer accounts for 15% of all new cancer cases each year and in 2018...

Turning 16 is one of the most exciting milestones in many people’s lives. When you turn 16 you feel like you’re growing up and have a new sense of freedom having the ability to get a driver’s license. This is a very...

In today's business world, online reviews can have a significant impact on your growth and referral network of new customers. I can honestly say that when I am looking into a business that provides a service I am looking for, I...

Garaging Address, this is a term most people don't pay attention to in their auto insurance, but it actually can have a pretty significant impact on your insurance premiums.To start, what is your garaging address? It's simple, it's the...

The insurance market is an ever evolving industry that continually develops new products to meet customer needs. One of those products that we are beginning to see offered with many of our carriers is Service Line coverage.Service Line...

Sales can be a tough job no matter what industry you're in. Many sales people are able to quickly learn their products and become the expert, however, the roadblock we see most often relates to building a new customer base. We don't...

Two weeks ago we reviewed the three main insurance agent types: direct, online, and independent. This week we will review the advantages and disadvantages to both and why we feel one is better than all of the available options.Direct...

The insurance industry is full of competition and options. Consumers have numerous channels through which to buy insurance, however, many consumers aren’t aware of their options and what they mean. In this post we will explain...

With the use of self-storage units rising, we frequently hear the question: “Does my renter's insurance cover the contents of my storage unit?” The simple answer is yes! However, there are a few stipulations to storage unit...

Although we don’t hear many questions about earthquake insurance in states like Colorado or Wyoming, we hear questions regarding the coverage frequently in states like California. Most consumers assume that damage to their homes...

One of the worst feelings to experience is the realization that your car has been stolen. May you were coming out of your house to leave for work and your car is missing or maybe you just finished grocery shopping and your car is no...

In today's business environment it's imperative that businesses of all sizes have a great website. Studies have shown that the majority of consumers find services and businesses by searching online. Having a well-designed,...

The short answer: yes!While it may seem cost effective to share one policy and split the cost, the long-term consequences can be far more damaging than saving a few bucks up front. Let's look at the pros and cons for sharing a renter's...

Valentine's Day oddly enough is a day that strongly reminds me of insurance and why insurance is not just something you purchase but it's something that can show your loved ones how much you love and care about their well-being. I know...

The start of a new year always brings along new plans, new resolutions, and new ideas. Many of us focus on the fun and exciting aspects of the New Year, but with that we usually forget to review the important and more serious parts of...

One of the most common questions we are asked as agents is “Is my rental car covered when I go on my trip?” The short answer: yes and no.The “yes” part of the answer is easy. The one thing that the vast majority...

Heading to Mexico for the winter sounds so nice when these cold winter months roll in. We have dozens of customers that start their journey south as soon as December gets here. Many of our tropic-seeking customers drive themselves down...

This is not a common question we get as agents, however, it’s a question we wish more consumers would ask. What most people don’t know about their policy is that their car is not automatically covered if is stolen and...

Most insured’s don’t realize that flood is not actually a covered loss on a standard home insurance policy. If the river behind your house floods due to heavy rains and floods your home, your standard homeowner’s...

Insurance is regulated at the state level, meaning each of the 50 states has their own Department of Insurance. There are a few primary duties that each state's Department of Insurance (DOI) has:Licensing Insurance Companies and...

In continuing with our theme of reviewing different aspects of commercial insurance, I wanted to review the concept and coverage called Business Income and Extra Expense.This isn’t a commonly talked about coverage because it...

A waiver of subrogation is a commonly requested endorsement when it comes to commercial insurance. These waivers can be requested on a variety of policies but are primarily seen on general liability, commercial auto, and worker's...

Additional insured requests related to general liability or commercial package policies are a daily occurrence. While most entities require they be an additional insured, most of our customer's don't truly understand what an additional...

Two weeks ago we reviewed the difference between replacement cost and actual cash value coverages on a property policy. This week we will review a similar concept and how it relates to auto insurance. This is also a topic we receive a...

A question we have had come up a lot lately (primarily stemming from our hail claims), is what is the difference between actual cash value settlement and replacement cost?This is a simple answer and VERY important for all consumers to...

Luckily this is an easy answer. A personal umbrella policy is an extra layer of coverage that sits over and above your home, auto, or rental home policies.When the topic of a personal umbrella policy arises, the number one question we...

General liability is insurance coverage that helps businesses to protect themselves against liability claims arising out of bodily injury, property damage, premises, business operations, products or completed operations, and...

Talking or thinking about death can be hard especially when it relates to someone you love. But the one guarantee we all have is that at the end of our lives we die.Due to death being an uncomfortable subject to many people, most...

On a daily basis our agency receives several calls from client's inquiring about why their auto rates increased and why they are so high compared to 10 years ago.The answer is no simple unfortunately. There are several factors that...

It seems like it could be common sense that your insurance company is going to cover your personal vehicle no matter what you are using it for; whether it's delivering pizzas, using it as a work truck for your painting business,...

What is a personal articles floater? For many of you this is a new term and something you more than likely haven't heard when you have sat down for your annual insurance review with your agent.A personal articles floater, also known as...

We get this question frequently, and rightly so, as it is usually the most expensive coverage on your policy.We will start by breaking down the acronyms for each coverage part:UIM coverage stands for underinsured motorist coverage.UM...

The answer is a definite yes!The "ridesharing" industry has become a very popular service to use, but also a very popular service to work in. Many drivers use Lyft and Uber to make extra income in addition to their 9-5 jobs. While...

The term deductible is on just about every insurance policy we pay for. It's on our auto insurance, our home insurance, our health insurance and our business insurance, however, most of the time we don't really take notice to what that...

It never fails, when we get our auto insurance renewals our first question is usually: why did my rate go up? The second: what can I do to lower my rate?Unfortunately we are in a climate of ever increasing auto insurance rates so we...

First let's start with a quick definition of what water backup coverage is. Water backup coverage is an additional coverage added to your homeowner's policy that will provide funds to help you repair water damage from overflowing...

As consumers we want to be experts about what we are purchasing.We take time to review phone products to make sure we have top of the line technology.We take time to analyze car reviews to make sure we are getting the safest, most...