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7 Driving Distractions and How To Drive Smarter

Posted on April 27th, 2021 by admin

Each day, around eight individuals in the U.S. are killed in accidents where a distracted driver was involved, according to the Centers for Disease Control and Prevention (CDC). Distracted driving occurs when you’re driving while performing another activity that causes you to take your attention away from driving. It can increase your risk of a vehicle accident or crash. So, what can be considered a distraction to you while you are driving?  7 Distractions While Driving Things that take your attention away from your driving can be distractions that may cause a collision. Seven examples of common distractions on the…Read More

Is Your Home Vacant During a Renovation? Make Sure You’re Insured Properly!

Posted on March 17th, 2021 by admin

It makes sense to move out of your home while renovations are underway. After all, who wants to live with daily chaos, noise, and privacy intrusions major renovations deliver? But before you make a move out of your home, it’s a good idea to check with your insurance provider to see if you need to adjust your policy.  You do not want to fall victim to “vacant home” exclusions that are often standard in homeowners insurance policies. How Does a Vacant Home Impact the Insurance Needs of Homeowners? Being home most of the time means that someone is looking after…Read More

Private Flood Insurance vs. NFIP (National Flood Insurance Program)

Posted on March 17th, 2021 by admin

Did you know that as little as one inch of water inside your home can cause roughly $27,000 in damage? Without flood insurance, repairing that damage is entirely out of your pockets. Most homeowners insurance policies specifically exclude flood damage from protection. As a result, you must purchase flood insurance through the National Flood Insurance Program (NFIP) or through a private insurance company to protect your home and possessions.  Ultimately, through either program, flood insurance offers protection for your home and personal belongings if they are damaged in a qualifying flood event. The better you understand the differences between the…Read More

Umbrella Insurance: What Is It and Do You Need It?

Posted on February 18th, 2021 by admin

If you’re like most people, you already have multiple insurance policies. Some of the policies you have may include things like: Home insuranceAuto insuranceMedical insuranceLife insuranceWatercraft or RV insurance But do you have umbrella insurance? So, What is Umbrella Insurance? Here’s a hint. It’s not about umbrellas at all. In this instance, the term refers to what it does. Umbrella insurance provides additional protection when it’s raining on you, financially speaking, at a rate that outstrips your current liability insurance protection. In other words, umbrella insurance is a specialized type of liability insurance that handles the overflow when your existing…Read More

8 Risks a Standard Homeowners Policy Doesn’t Cover

Posted on February 17th, 2021 by admin

Far too many people purchase a standard homeowners insurance policy and believe that is all they need. Unfortunately, that leaves them unprotected from more than a few everyday risks, like the eight listed below. Work with your independent insurance agent when choosing your home insurance to ensure you have protection from these risks and others that are important to you. 1. Service Lines You have all kinds of service lines running into your home from the street. In many cities, you may have buried electric lines, gas lines, water lines, sewer lines, and more. Without specific service line insurance, you…Read More

What is Loss of Use in Home Insurance

Posted on January 27th, 2021 by admin

You’ve probably heard of loss of use protection when purchasing your homeowners insurance policy. It may not have completely sunk in what it means for you if you ever need to take advantage of this valuable coverage. Whether you are a homeowner or a landlord, loss of use insurance, sometimes referred to as additional living expenses or ALE, can be a life-saver when covered damage occurs to your home.  What Does Loss of Use Protection Include?  For homeowners who reside in their homes, loss of use protection takes on an entirely different meaning. When you’re displaced from your home while…Read More

What Happens if You Don’t Have Homeowners Insurance

Posted on January 27th, 2021 by admin

Most homeowners agree that homeowners insurance is essential. At least, this is the case if you want to protect your major investment in your home. However, there are times when you may find yourself without home insurance protection. What happens then? Here’s what you need to know so you can get the protection you need for your home and remain in the good graces of your mortgage company. How Can I Get Homeowners Insurance After Non-Renewal? It’s not fun to feel rejected — especially by your insurance company. Regardless of the reason for your non-renewal, it is important to get…Read More

5 Reasons to Review Your Insurance Policies Annually

Posted on January 9th, 2021 by admin

As a new year is here, it’s a good time to review your insurance policies. Life happens, things change, you want to make sure you are adequately insured.  We’ve put together a list of 5 reasons why it’s a good idea to review your policies annually. https://myagencyvideos.wistia.com/medias/o86agrbdfg 1. Manage Your Personal Life Changes A lot can happen in a year that can have huge effects on your insurance costs, coverage options, limitations, and more. Some of these things include: Getting marriedGetting divorcedChildren leaving home/empty nest/child off to collegeStarting a new jobStarting a new businessStarting a family/birth or adoption of a…Read More

What is Hazard Insurance?

Posted on December 17th, 2020 by admin

If you’re a relatively new homeowner, you may have heard several terms that are new to you. Or, you might have come across terms that are often used interchangeably but serve different purposes. One topic that’s a bit confusing for some is hazard vs. homeowners insurance. But is there a difference between hazard insurance and homeowners insurance? This article will explain and hopefully answer this question for you.  What Is a Hazard Insurance Policy?  Hazard insurance, which is sometimes referred to as building coverage, typically refers to your home’s structure, roof, walls, and floor coverage only. It protects you, the…Read More

What Is a Certificate of Insurance?

Posted on December 10th, 2020 by admin

In the world of insurance, you’ll come across a lot of fancy words and strange jargon that can be extremely challenging to understand. If you’re a contractor, for instance, and you’re speaking with a potential client on the phone, it might seem things are going smoothly, and then they ask you for proof of insurance coverage. You might automatically think they want to see a copy of your current policies and then come to find they’re requesting for you to provide a certificate of insurance (COI). But, do you know what this is exactly and what it does? To help…Read More

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