Blog

Do I Really Need Life Insurance?

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: Income Replacement:  If the primary breadwinner of a family were to pass away, a life insurance policy can ...

Independent Insurance Agent vs Captive Insurance Agent

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

Do I Need To Insure My Golf Cart?

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: Legal Requirements: In many jurisdictions, the law requires that golf carts be insured ...

Benefits of Umbrella Coverage

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: Increased Liability Protection: The primary purpose of ...

Your Auto Policy & Teen Drivers

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: Legal Requirement Disclosure:  Insurance policies require the policyholder to disclose all household members, especially those who are licensed to drive. This is so the insurer can assess the risk accurately and charge the appropriate premium. State Laws:&...

How Actual Cash Value is Determined on Your Roof

The Actual Cash Value (ACV) of a roof at the time of an insurance claim is typically determined by taking into account several factors, including: Age of the Roof: The age of the roof is a key factor in determining its actual cash value. Roofs typically have a lifespan of 15 ...

Why You Need Building Codes / Ordinace & Law

Building codes or ordinances are rules that tell builders how to make sure that the buildings they build are safe and meet certain standards. These rules are made by the government to keep people safe.When you have a home, you can buy something called building codes or ordinances coverage ...

Home Deductibles Explained

Let's break down home deductibles. $1,000 Deductible: This is the fixed amount you'd pay out of your pocket before your insurance kicks in. It's good for smaller problems, but your monthly payments might be higher.   $2,500 Deductible: With this choice, you'd pay more out-of-pocket initially if something goes wrong. This can ...

Recoverable Depreciation During A Claim

When you have a homeowner's insurance policy, it typically covers damage to your home, including damage to the roof. If your roof is damaged, you can file a claim with your insurance company to get it fixed or replaced. Now, when the insurance company pays out for the damage to your roof, they will likely take into account the depreciation of the roof. This is because your roof has a lifespan, and as it ages, it loses value or depreciates. The insurance company will ...

Current State of Insurance Industry

This was not written by our agency, but explains in depth the current state of the insurance industry written by multiple sources within the insurance industry. We hope that you find the below information useful, and hope that it helps explain what is happening in the insurance world today. It won’t matter what insurance carrier you are with, this is an industry issue.   The insurance marketplace is tightening up and it's happening fast. It’s happening especially fast for home and auto insurance ...

Auto Customization & Upfits

There are many vehicles on the road with customized items.  Rims, lift kits, grills, sound systems, light bars, and much more.  Many insurance customers will believe all this will be automatically covered under their insurance policy.  That is not the case.  Unless your agent is made aware, and adds the appropriate customization to your policy, you will have no coverage for aftermarket parts including upfits. There is a trend going on where dealers “upfit” a vehicle prior to selling on the ...

Monday Motivation: Doubt Kills

Doubt Kills  Often times, we stop the dream before it even gets started. Doubt truly is the biggest enemy of dreams fulfilled. Doubt is the fear that what you’ve dreamed about won’t work or will fall short or will be rejected. What if it doesn’t, though? ...