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Category: Blog

How to Avoid Insurance Scams

The majority of us are honest, hardworking folks who are raising strong families and contributing members of our community. Unfortunately, a few people try to take advantage of us, and we need to be aware of what to look out for. Fraud, which includes insurance scams, is the second costliest financial crime in the US. Insurance fraud is one of the most common crimes in...

To Bundle or Not Bundle, That is The Question

Have you considered bundling your home and auto insurance? Although you have the opportunity to compare prices for each policy separately, it is nearly always wise to have the same carrier handle the majority of your policies. Advantages of Bundling The prospect of a discount is what motivates the majority of policyholders to bundle their policies. The sum varies depending on the provider, but it...

Some Good Insurance-Related Questions

  We recommend asking your agent a series of questions to better understand what your insurance covers and does not cover. Do I need a personal umbrella? What does it cover?  What limit should I have? I drive for a ride-share company. How am I covered? What is replacement cost coverage, and why is it important? What happens if I rent a car and go both domestically and abroad? What coverage would my insurance...

Special Sub-limits Every Homeowner Needs To Know

Insurance policies come with separate sub-limits relating to specific kinds of coverage.  Some limits are well-known, such as limits on jewelry.  Other sub-limits are less obvious but are still included in your insurance policy.  You might want to learn about these limits before making a claim and risk losing thousands of dollars.  So how does this affect you?  Sub-limits primarily impact certain kinds of personal...

Business Insurance Tips

Business Insurance Renewal Your business insurance is an important part of your risk management program. It is important to have the right insurance coverage, competitive pricing, and the right insurer. We have found at least five factors that are important to manage when renewing your business insurance program. Business Insurance A business insurance program can include commercial property, auto, commercial liability, employment liability, workers’ compensation,...