The Big Life Insurance Debate: Term vs. Perm

Portrait of family keeping their hands one another at home

The internet is flooded with people giving advice about what kind of life insurance to buy. An often-heard refrain is, “Buy term and invest the difference.” Others say, “Why rent (term), when you can own (permanent)?” It just ends up being confusing because many people don’t really understand the difference between these two major types read more→

Hiding Teen From Auto Insurer is a Bad Idea

Teen Driver

If a teen driver is not on the parent’s policy, but drives their vehicle and gets two speeding tickets, how would the insurance company ever know about him or his tickets? The insurance company may not know about the teenage driver or his tickets now. In time it’s likely that they will. And if there read more→

Fall Into The Habit of Keeping Your Home Safe From Break-ins

Burglar breaking into a house window with a crowbar

Burglaries can occur at any time of the day and any day of the week; however, it is important to note that according to an FBI Crime Report, 65% of residential burglaries were between 6 a.m. and 6 p.m. in 2011. What’s even more astonishing is that nearly 400,000 burglaries occur in the U.S. from November read more→

Risks Homeowners Policies Don’t Cover

flood-insurance

We often hear of flood victims who learn that their insurance didn’t cover flood damage. Flooding isn’t the only scenario not covered by many homeowners policies. Because all policies differ, your best bet is to call our office to find out exactly what your policy does cover and what damages are excluded. Typical exclusions that could read more→

Keeping Coverages Current

CarpenterPreparingToCutXSmall

A home and its contents frequently represent a major portion of a person’s net worth. Failure to keep coverage current could result in a claim not being covered. Whose responsibility is it to maintain adequate insurance coverage? When all is said and done, it is the policyholder’s responsibility to review the policy regularly and inform read more→

Knowng When to Purchase Commercial Auto Insurance

commercial-auto-insurance

Having the right kind of automobile insurance is important to insure you have the appropriate coverage in the event of a claim. If your vehicle is used for business purposes, then commercial auto insurance is the right type of insurance for you. Commercial auto insurance is similar to personal auto insurance and includes liability, collision, read more→

When Someone Uncooperative Slams into Your Car

Traffic accident - one driver on the mobile phone, second expressing anger

Unfortunately, not everyone is nice. No surprise there. But what if an uncooperative type slams into your car? How do you get the bare basics from the other driver without risking your own safety? After all, no one wants you tackling the guy to the ground to extract his wallet in order to get his read more→

Not Sure What Type of Business Insurance You Need?

Business InsuranceXSmall

Understanding Business Insurance The success of any business depends on hard work and ingenuity. Business insurance ensures that all the effort and money you have invested in your business is covered in case a disaster strikes. In general, businesses need to purchase at least the following four types of insurance: Property insurance compensates you if the read more→

Black Roof Stains?

Black Streaks

Ever wonder what those black streaks on the roofs of thousands of homes are? Those stains are not mold, but the result of an algae known as gloeocapsa magma, which thrives in areas where the summer climate is hot and humid. This algae proliferates everywhere in the U.S. except for western states where the climate read more→

Homeowners Insurance 101

Minature House in Hands

Wish someone would explain homeowners insurance to you in a simple way? We are here to help briefly explain the insurance protection you have for the largest hard asset you own. When you purchase homeowner’s insurance, you usually get coverage for lots more than the structure of the house. Most of us own an HO3 read more→