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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 higher deductibles and try not to make claims unless they...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 is not covered is flooding, as in a flood from...Read More

Have you heard the term embedded insurance yet? As the world continuously evolves at a rapid pace, the realm of transactions becomes increasingly more efficient. Think about how far touchless transactions have come in just one year! QR Codes, Apple Pay, Google Wallet, Venmo, just to name a few. Ever wonder why insurance isn’t more ‘touchless’ or simply included in the purchase of your significant...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 that is weighted the heaviest is claims history. (You read...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 much insurance they require. So assuming that you would like...Read More