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How to Assess Your Homeowners Insurance
One of the biggest concerns we have as insurance agents is ensuring your home has the right type of coverage and limits to ensure you are properly protected. Being properly insured and knowing the value of the home and possessions can provide some peace of mind during what could be an extremely stressful period. We […]
How to Properly Insure Jewelry
Insuring Jewelry Knowing how much personal property coverage you have on your homeowners or renters policy is a good place to start with insuring jewelry. Most of the time, you’ll be covered up to a certain limit if it is stolen ($2,500 total). But with the average value of an engagement ring in the US […]
What is Rental Dwelling Insurance?
We are finding that more and more of our clients are renting out their homes on either a short- or long-term basis. It could be a second home, an investment property, or even the basement or a spare room in your house. Depending upon the rental scenario, your homeowners insurance policy may not properly cover […]
How is the value of my car determined in a claim?
One of the most stressful situations people encounter with auto claims is determining the value of the vehicle or damage. The Process When you file your claim it will be referred to a claims adjuster who will verify the loss and determines the costs to make the necessary repairs. The estimate provided by the adjuster […]
Online Shipping Safety Tips
‘Tis the season for online shopping. In fact, over 51 percent of consumers will make at least one online purchase during the holiday season. With an increase in online retail transactions during the holidays, there will also be an increased vulnerability to your identity unless certain precautions are taken to protect it. For example, Dashlane, […]
If I File an Auto Insurance Claim, Will My Premium Go Up?
Many people are hesitant to file claims with their auto insurance company out of fear that their premiums will be increased or the policy will be cancelled. While practices vary between insurance companies, more will increase your premiums by a predetermined percentage for each chargeable claim made against your policy above a specific dollar amount. […]
Top 10 Hidden Homeowners Insurance Discounts Part 2
Last week we shared five of the 10 “hidden” discounts available on your homeowners insurance. This week we will share the last five on the list. Please remember that if you would like to see if any of these discounts apply to you, or if you would like a quote on your homeowners insurance, please […]
10 Hidden Homeowners Insurance Discounts Part 1
When looking for ways to save on home insurance, many homeowners think of smoke detectors or a home alarm system. Insurance companies, though, offer a variety of additional premium discounts that can help you save up to 25 percent on your insurance premiums. For individuals who are willing to be more cautious and actively avoid […]
Ensuring Your College Students have Proper Insurance Coverage
With most college students living in a dorm or off-campus housing, it’s imperative they review their family’s insurance policies to ensure they have insurance coverage for their possessions. With expensive electronics, sports equipment, and furniture inside of many student apartments, it’s important to make sure you have coverage for those items. Unfortunately, for many of […]