There are many types of coverage offered on a typical homeowner’s policy, but the question of whether or not to file a claim versus footing the bill yourself for any damage often arises. This may seem contradictory – purchasing insurance but then not filing a claim – but there are actually good reasons not to […]
I thought I would post an article I found from Central Insurance Company. You might find yourself wondering, “Do I really need an umbrella policy?” The short answer is: yes. While many consider umbrella coverage a supplemental policy compared to home, auto, and even life insurance, for many, the safety net provided by this unique […]
After the dark, gloomy days of winter and the pollen and smoky haze of spring, there is probably nothing that sounds better than warmer weather, blue skies, and a three-day weekend where we can (safely!) gather with friends and family for a backyard cookout. And, if you’re like me, you’re eagerly anticipating the upcoming Memorial […]
We all know we shouldn’t text and drive, so why is it so tempting to reach for the phone the moment you hear that little ding? Just a quick glance can’t hurt, right? Wrong. Data from a 2020 National Highway Traffic Safety Administration study shows that 1.6 million crashes, more than 3,100 deaths, and 400,000 […]
Motorcycles are a big part of summer driving. Many people prefer the freedom of two wheels on the open road during the summer months. Whether it be discovering scenic back roads on a cruiser or burning up the highway on a sports bike, the fact is there is nothing quite like the feeling of open […]
Anyone who has had a child of driving age knows all too well the substantial cost surrounding their child’s newfound four-wheeled freedom. Young drivers can be significantly more expensive to insure due to their inexperience. After all, young drivers make mistakes and when driving a vehicle, those mistakes can be costly. With that said, there […]
With the convenience of our daily driving comes the possibility and inconvenience of being involved in an auto accident. A total loss is possible, depending on what you’re driving and the extent of damage. But what exactly is a total loss? And do you know how to protect yourself from the financial consequences of such […]
I would like to make you aware that the cost to rebuild your home, in the event you suffer a catastrophic loss, has increased dramatically. If you’ve shopped at Home Depot or Lowe’s lately, you’ve probably noticed that the price tag on building materials is higher than ever. In the first year of the pandemic, […]
Nine. A relatively small number until you put it into context. Every day, nine lives are lost due to distracted driving. Driving is something that many of us do each day without putting in much thought or energy, almost like being on autopilot. Instead of using driving as a time to unwind, focusing on the […]
You received your annual renewal notice from your home insurer and you’re surprised: Your premiums have gone up. The truth is, it’s common to see an annual increase in your homeowners insurance premiums, and in many cases, it’s not the result of something you did. In fact, much of it may be totally out of […]