Who Needs Life Insurance?

Chinese family in the park (CROPPED)

If someone will suffer financially when you die, chances are you need life insurance because it provides cash to your family after your death. This cash, known as the death benefit, replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding. What’s more, read more


The Sparkling Benefits of Jewelry Appraisals

Jewelry

A vital step in protecting and preserving the value of your jewelry is getting an updated appraisal on a regular basis. In fact, if the most recent appraisal of your jewelry took place five or more years ago, it’s time to get a new appraisal. You may be asking what a jewelry appraisal does for read more


Determining Home Replacement Cost

New home construction framing

When searching for homeowners insurance coverage, you rely on the insurance company to insure your home for it’s full replacement value. When you purchase your home, you are paying for both the market value of the home (minus any negotiated compromises) and the land value. Most people think that you should insure the home for the price read more


The Benefits of Leasing vs. Buying a Car

Key for buy and lease

One of the most important questions you’ll face when it’s time for a new vehicle is, “Should I lease or buy a car?” The answer won’t be the same for everyone. Each driver has unique needs, so review the benefits of leasing vs. buying a car to determine which is right for you. When to read more


My Neighbor’s Tree Fell on My House! Who Pays?

Tree on House

Is windstorm damage covered on a standard homeowner’s policy? The quick answer is: Yes. Windstorm is a covered peril on a standard homeowner’s insurance policy. The more interesting question, however, is often whose homeowner’s insurance policy covers the loss? To use the example of a falling tree, we can look at a few different scenarios to address read more


What is Hydroplaning and How Can You Prevent It?

rainstorm

In short, hydroplaning – sometimes called aquaplaning – occurs when the tires of your vehicle lose contact with the road beneath them in wet or rainy conditions. This most commonly occurs during heavy rain storms when water is pooling on the roads faster than it can drain. Vehicles traveling on wet roads at speeds too read more


Protecting Your Home: What Insurance Does and Doesn’t Cover

Father Preparing Family Breakfast In Kitchen

Understanding Your Home Insurance Policy As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more ways than you may think, helping you rebuild your home or repair read more


How to Protect a Vacant Building

Modern storehouse

Did you know that vacant commercial buildings have a greater risk than occupied properties? Vacant properties can attract vandals and may become a magnet for trash and crime. Maintenance issues also are a challenge when no one’s around to notice if a sprinkler starts leaking or a pipe bursts. That’s why most commercial property policies limit read more


Car Insurance Coverages for Your Paid-Off Vehicle

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A common question we are often asked is “If I paid off my vehicle, what insurance coverages should I have now?”  They want to make sure their car is covered if they hit someone, or if someone hits them. You’ll need to continue to carry at least state-minimum auto insurance liability coverages on your vehicle. read more


Do You Have a Home Based Business? Insure It!

Home office woman on phone

Today more than 43 million Americans are operating full- or part-time businesses from the comfort of their homes, and these numbers continue to grow every year. One of the secrets to running a successful home-based business is being able to separate your business activity from your home activity. Whether you spend two hours or 62 hours read more