January 23, 2018
AgencyWhy don’t small businesses buy insurance?
Small businesses are the backbone of the US economy. A new joint poll from Insureon and Manta found that only 8% of the 1,200 small business owners questioned have ever filed for bankruptcy and 98% of respondents didn’t think they would need to file in the next six months. Despite this positive small business confidence, […]
January 12, 2018
AgencyAuto Insurance – Auto Policy Exclusions
Even if you have auto insurance, there are still instances, called exclusions, when your policy won’t provide coverage. Why should exclusions exist in an insurance contract? There are several different reasons. Exclusions are used to do the following: • help contain the expense of providing insurance; • prevent coverage under one type of policy that […]
December 29, 2017
AgencyHomeowners Insurance – Be A Common Sense Host
Holidays and special events often include celebrations that bring together families and friends in homes across the country. Food, fun, conversations and spirits flow generously. Unfortunately, such celebrations may be accompanied by injuries and accidents, especially when alcoholic drinks are involved. Increased drinking leads to an increased chance for a personal tragedy and the consequences […]
December 19, 2017
AgencyCar Insurance – Sometimes Less is Less
Car ownership is a large part of the family budget for most households and a major expense is insurance. Therefore, many insurance company ads focus on price and new customers are acquired by companies who offer protection at a lower price. In order to save money, some car owners have been attracted to purchasing minimum […]
December 14, 2017
AgencyCar Insurance – Best & Worst Drivers by State 2017
If you feel like you’re constantly surrounded by subpar drivers, you might be onto something. Car-related deaths have risen a staggering 14 percent since 2015. A report from the III shows that car accidents rates are going up, and so too is the average cost of a car accident. What’s behind these disturbing trends? Two […]
December 11, 2017
AgencyAuto Insurance – The Need for Rental Reimbursement
Generally, carrying both adequate liability and physical damage coverage on your vehicle will be enough protection in the aftermath of an accident. However, be sure that you don’t overlook Rental Reimbursement, as it is typically only offered as an option. For example, an accident disables your car. Well, that happens. Your insurance company arranges for […]
December 5, 2017
AgencyHome Insurance – Is Your Home Winter Ready?
If you live in a climate that includes cold winters, you know the season creates special challenges for homeowners. In this article, we discuss an icy situation. Ice Dams An ice dam refers to ice that has formed along a roof’s edge. The dam of ice blocks additional water and the pooling water backs up […]
November 28, 2017
AgencyAuto Insurance – Accidents happen – even to the most careful drivers.
Knowing what to do after an accident will help you to remain calm and in control. It can also help you get back on the road faster. Accident Checklist Get help for the injured. Call the police. Remain at the scene of the accident. Warn oncoming traffic. Set hazard lights and flares. Try to remain […]
November 16, 2017
AgencyDo you need flood insurance?
Many Americans don’t need to wonder if they need flood insurance — it’s required as a condition of their home loan. But unlike car insurance, flood insurance isn’t required simply because you own property. In these cases, flood insurance raises the same question as other insurance policies do: When does the premium outweigh the actual […]
November 13, 2017
AgencyRenters’ Insurance Needs
Persons who live in apartments or rent a residence are fortunate. Most insurance companies can protect their assets and belongings by using a policy that is designed especially for tenants; a renters policy. Typical policies cover your possessions for common causes of loss, additional living expenses related to making other living arrangements, medical expenses for […]