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?


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


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

When Should My Kid Get His Own Car Insurance?

Teen Driver

Have you ever wondered, “when should my kid get their own car insurance?” We’re asked this question often so we’ve provided a few of the common situations where you might decide it’s time for your kid to get their own policy. Of course, this varies family to family, so we advise you to talk to your read more

Recreational Vehicles Have Special Needs

RV parked at the lake

Did you know neither recreational vehicles nor off-road vehicles are insured under normal car insurance? An RV can function as a vehicle and home at the same time. Therefore, when you hit the road with your large motor home, you need vehicle insurance for your protection. But, how about the smaller types of recreational vehicles? read more