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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The Hidden Costs of Cheap Insurance – What Are You Getting for Your Money?

It’s next to impossible to watch any type of TV programming without seeing a commercial advertising how you can save money on your insurance. So should you really purchase your insurance policy based upon the cheapest price? Before I elaborate on this, allow me to ask you a different set of questions: Would you hire […]

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4 Current Trends Impacting Insurance Premiums

Car insurance. Does it seem like it’s a bigger drain on your wallet than before? It very well could be. Just look at these four trends that may be contributing to higher costs: More new cars with more advanced features: Today’s drivers have a healthy appetite for new cars, and most of the vehicles are […]

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Help Minimize the Need for Costly Auto Repairs Simply by the Way You Drive

No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so, you may not have even realized you were doing anything wrong. After all, most everybody […]

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Replacement Cost Value Versus Market Value: What’s the Difference?

Many homeowners often wonder why the limit on their homeowner’s insurance policy is more than the market value of their home. In some cases, there can be a drastic difference between what you recently paid for your home versus how much insurance coverage you have. It’s just a way for the insurance company to get […]

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Common Car Insurance Questions

On the surface, car insurance can seem fairly straightforward. You buy a policy, and if you get into an accident, it comes to your aid – at least in most scenarios. However, once you start digging deeper, a lot of questions can pop up. As an insurance agent, I always encourage people to dig deeper […]

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3 Ways Technology Is Changing Auto Insurance

Today, you can make money by driving people around. You can save money by showing your insurance carrier how you drive. And, you can rely on your smartphone to keep your insurance ID cards at the ready. Technology is changing the way we use our cars, and it’s changing our auto insurance policies. Let’s take […]

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Baby it’s cold outside, and inside too!

You know that household heating and cooling systems can stop working at any time. And it’s always at a bad time and it’s never cheap to fix. Although you might take them for granted, you probably depend on several major equipment systems to keep your home comfortable. You might assume that your homeowners policy would […]

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What to Consider Before You Commit To a Non-Profit Board

I was having a conversation with one of my clients about serving on a newly formed non-profit. He was all excited about helping out this wonderful new endeavor. But I told him there are risks involved anytime you try be a good guy. I did some research and found an article I tailored to reflect […]

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