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

Does filing a claim increase car insurance? Whether your insurance rates go up after an accident depends on your insurance company, the circumstances of the accident, and whether you have accident forgiveness — which is when insurers allow good drivers to get in one accident without their rates increasing. When deciding whether to raise your...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

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

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...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