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Do I Really Need Life Insurance? Written by Cobble Insurance Agency, Inc. on Nov 3, 2023

YES!  Life insurance is a financial tool designed to provide protection and finaicla security to individuals and their loved ones. Here are several reasons why a person needs life insurance:

1. Income Replacement:  If the primary breadwinner of a family were to pass away, a life insurance policy can replace the lost income, ensuring that the surviving family members have the financial means to maintain their standard of ...

Independent Insurance Agent vs Captive Insurance Agent Written by Cobble Insurance Agency, Inc. on Oct 24, 2023

Using an independent insurance agent over a captive insurance agent can provide you with several benefits:

1. More Choices: Independent agents have the freedom to work with multiple insurance companies, providing clients with a broader array of insurance options. This means they can offer policies from different insurers, allowing you to compare coverage, rates, and benefits to find the best fit for your specific needs.

Do I Need To Insure My Golf Cart? Written by Cobble Insurance Agency, Inc. on Oct 17, 2023

Insuring a golf cart is important for several reasons, even though it may not be as common or required as insuring a regular automobile. Here are some reasons why you might need to insure a golf cart:

1. Legal Requirements: In many jurisdictions, the law requires that golf carts be insured if they are operated on public roads or streets. Even if you primarily use your golf cart on a golf course, you may still need to ...

Benefits of Umbrella Coverage Written by Cobble Insurance Agency, Inc. on Oct 10, 2023

Umbrella Insurance is a type of liability insurance that provides additional coverage beyond the limits of your primary insurance policies, such as auto or homeowners insurance. It serves as an extra layer of protection, and there are several benefits to having umbrella insurance:

1. Increased Liability Protection: The primary purpose of umbrella insurance is to provide additional liability coverage. If you're sued for damages that exceed the limits ...

Your Auto Policy & Teen Drivers Written by Cobble Insurance Agency, Inc. on Oct 3, 2023

We get asked this question every week it seems!  Do I have to list my teenage driver on my auto insurance policy?  The answer is YES.  It's important to highlight the legal, financial, and safety implications.  

Here's a breakdown of those reasons:

1. Legal Requirement
   • Disclosure:  Insurance policies require the policyholder to disclose all household members, especially those who are licensed to drive. This ...