On every insurance application, there are questions concerning burglar and fire alarms for your home and tracking and security alarms for auto. Therefore, it is highly advisable to have a central reporting fire and burglar alarm for your home. While many folks feel this can be costly or even unnecessary, it will pay dividends in...Read More

Just recently I was lucky enough to help an old friend shop his home and auto coverage. This is the best part of my job as it allows me to make sure that my loved ones aren’t getting ripped off or paying for coverages they don’t need. In this case, my friend had a DUI...Read More

EMBEDDED INSURANCE. WHAT IS IT? There is nothing new about the concept of embedding a feature, benefit, or product into the sale/purchase of another product or service. One of the simplest examples is earning “points” through your credit card, as a purchasing tool. The ‘point’ structure and system is a membership plan that you can...Read More

The real estate market is booming all across the country. All types of homes fly off the market as soon as they are listed (or within the first week). This sales rush is creating a lack of supply of good homes. Hasty buyers are often overlooking simple things that may wind up costing them substantially...Read More

To Claim or Not to Claim??? The world of insurance can be financially life-saving depending on the outcome of a situation. It could also seem cruel if you don’t understand how the business of insurance works.   Daily, we are tasked with explaining to our amazing clients that it is in their best interests to carry...Read More

What kinds of water damage are covered by my homeowner’s insurance policy?  Water damage that is considered “sudden and accidental” is usually covered (like a burst pipe). What is not covered is gradual damage. For instance, gradual water damage is not covered by a leaking bathroom sink that rotted out your subfloor. Another category that...Read More

Insurance can save the day when you are faced with a tragedy. However, all too often, people file claims that might seem tragic at face value but might not be worth the total it can ultimately cost them. When your insurance carrier decides how much your insurance will cost you, they evaluate many variables. One...Read More

Home purchases require so many things to consider. It is easy to get lost in the fray. One thing that often gets overlooked is mortgage insurance (a.k.a. life insurance). The average person’s debt when buying a home is typically the largest of their lifetime, yet few consider that debt to be a determinate of how...Read More

One of the most significant shifts in our culture through this pandemic has been the realization that people can work effectively from remote locations. This shift has caused a spike in migration out of the big cities and into the country. Homeownership of these newly sought-after ‘Shangri las’ come with special considerations that city dwellings...Read More

Congratulations! You’ve finally accomplished the goal of purchasing an income-producing property and with that comes a myriad of questions for which you likely don’t have the answers. For example:Long-term tenants or Air BnB? What type of policy do I need and what company will insure my property? How much liability coverage do I need? Does...Read More