When – and Why – You May Need Umbrella Insurance

Living in a busy world, our lives constantly intersect with the people around us, and some interactions can have surprising consequences. It is increasingly important to make careful insurance choices to protect yourself from the unexpected. Because, even if you carry excellent coverage with high limits, situations can still arise that leave you liable for […]

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What’s Driving My Personal Auto Insurance Rates?

I have been getting quite a few calls lately about car insurance rates on the rise. Why are rates going up, even if I am not having accidents? To start with , you need to understand the function of insurance is to accept the risk from many people to pay for the losses of the […]

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It’s a Bird. It’s a Plane. No it’s a drone.

Unmanned Autonomous Vehicles (UAVs) or Remotely Piloted Aerial Systems (RPAS), commonly known and referred to as drones, are aircraft which can be operated without an onboard pilot. Originally developed for military use in situations deemed too dangerous for manned aircraft, their use has since expanded to scientific, recreational, agricultural, commercial, and insurance industries. In the […]

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Choose an Insurance Agent in Four Steps

It’s Not Just a Quote, It’s a Relationship Shopping for insurance? You may think you’re simply looking for an insurance policy. But, perhaps, what you’re really looking for isn’t a “what” but a “who” – someone you can trust to guide you through the plethora of insurance choices, rather than trying to make sense of […]

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Avoid Deadly Distractions Behind The Wheel

Not Texting is a Start, but There’s More to Safe Driving Many people have a limited definition of “distracted driving”: They think it only means texting behind the wheel. There’s good reason for that, because texting requires visual, manual and cognitive attention – the same attention required for safe driving. But although texting is perhaps […]

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What Are Aftermarket Parts?

Every so often I get a phone call during the claims process about aftermarket parts. The usual questions are what are they, should they be used, and what happens to the value of your vehicle if you agree to use them. All are valid questions. The truth is that the use of aftermarket parts in […]

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Working Smoke Alarms Save Lives

Did you know roughly half of home fire deaths result from fires that occur when most people are asleep – between 11 p.m. and 7 a.m.? Smoke spreads quickly, and you need smoke alarms to give you time to get out. In fact, having a working smoke alarm cuts the chances of dying in a […]

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Man’s Best Friend or a Liability?

I am an animal lover, but dogs are my personal favorite. They are great company and it’s in their nature to seek your approval and love. Dogs are said to be “man’s best friend”, but have you ever thought about how your insurance could be affected by the type of dog you decide to own? […]

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Burglary Prevention: Should You Leave the Lights On?

How to Use Outdoor Lighting Effectively for Home Security It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But, does that really work? Or, is it just a waste of electricity? Those answers can differ depending on a number of […]

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Car Insurance Rates Are Going up. Why?

I get a few calls a week from our clients wondering why their car insurance rates are increasing even though they have not had an accident. It’s a good question, but the answer can’t be summed up in a statement or two. I have written before how car insurance rates are impacted not only by […]

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