Home Sweet Home: Do I Need Renters Insurance?

landlord-insurance

It’s one of the most misunderstood insurance products on the market. If you live in an apartment or have a child renting an apartment at college, renters insurance is a must. Renters insurance protects you from losses caused by theft, natural disasters or a lawsuit. Yet many renters don’t have such insurance. Data from a read more→

Insurance Tips Before and After a Disaster

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“If only I knew.” Four words spoken after disasters by people who’ve learned they don’t have the insurance coverage they thought they had. In our agency, we never want you to be in that situation, so here are some tips to help. Advice you need before a disaster You might have purchased your insurance a read more→

GAP Insurance: How It Impacts Your Car Loan or Lease

Woman at Desk What Do I Do

You might have heard of something called GAP insurance and you know it’s important for leasing. But you might also wonder what exactly it is and if you need it for other car loans, too. What is GAP? GAP stands for “Guaranteed Auto Protection.” Such insurance is indeed important when leasing, since you don’t actually read more→

What is an SR-22 Document, and Do You Need One?

Woman Driver in Car

As the result of certain traffic violations, you may be required to obtain an SR-22 document. Read on to find out what an SR-22 is, how much SR-22 insurance costs are, and how long you’ll need to have one. What is an SR-22? An SR-22 document is required to provide state mandated proof of auto read more→

How to Avoid Contractor Fraud

builder with blueprint shaking partner hand

Starting a new home improvement project? Read these helpful tips before you hire a contractor. Get a list of reputable contractors from your insurance company, the Better Business Bureau or a specialized consumer organization like Angie’s List. Contact multiple contractors, and obtain more than one estimate. Don’t allow a contractor to inspect your property if read more→

Dogs and Insurance: The Bite is Worse Than the Bark

Young Family

You don’t have to search far to find a story about the numerous dog bite incidents that happen in the country each year. While our cuddly companions are often considered a member of the family, they may not be as friendly to strangers. That said, our furry friends should be insured for the same reasons read more→

Why Jewelry May Not Be Covered in Your Home Policy

Jewelry

Perhaps you just got engaged and you’re wearing a brand new, expensive engagement ring. Maybe your husband bought you a gorgeous pearl necklace for your wedding anniversary, or you have an heirloom jewelry collection that belonged to your grandmother. Your jewelry may be the most expensive personal property you own. If these special and costly items read more→

Pre-Season Tips for Boat or RV

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Summer is fast approaching and it’s time to take your toys out of their winter storage areas. Check out this list with tips for a successful pre-season preparing your boat and/or RV for the summer. Remove covers and inspect the entire vehicle to ensure everything is in good working order. Take your boat to a read more→

Do I Need Insurance for My Rental Car?

AirportSignDeparturesRentalCarSmall

If you asked a panel of insurance experts this question, you would likely be met with the age-old insurance answer of “it depends.” More of what is at consideration here is the rental company’s offer of a damage waiver (DW) or collision damage waiver (CDW). Damage waiver is not insurance per se, but more the read more→

Understanding the Cost to Rebuild Your Home

New home construction framing

Your home is one of your most valuable assets. Make sure you have enough dwelling coverage on your homeowners insurance policy to rebuild it to its original state if it’s destroyed by fire or other covered cause of loss. And while the current market value of your home may be lower than you’d like, the read more→