I have had clients call me and ask if there is coverage on their homeowner policy if the water line going INTO their house springs a leak. Unfortunatly, the answer is almost always no. Your homeowners policy will cover damage done by water, from a sudden and unexpected release of water from a closed water […]
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.I have had some uncomfortable conversations with some clients regarding their life insurance. It has come from clients I have absorbed over time from other agencies. These clients weren’t counseled properly on how to fund their permanent life insurance policy. Permanent life policies are a different animal and they require a small amount of constant […]
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If you own a camper or a trailer, it’s important to make sure you have it covered properly. There are a few ways you can do this. With my company, you can add it directly to an auto on your auto policy and add comprehensive or collision coverage to the camper or trailer. OR if […]
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When you purchase a new homeowners insurance policy, it is common for the insurance company to come out and take a lap around the outside of your house and inspect it. Why do they do this? To see if there are any existing issues that might lead to future claims. If they see certain things, […]
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Should you carry a commercial auto insurance policy? This is a question you should ask yourself if you are self employed, or if you own a business. A regular personal lines auto policy is there for an average daily use vehicle. It is for people who commute to and from work, run errands, take the […]
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This is an area where business owners have some confusion. How to handle workers compensation when you hire a 1099 subcontractor. There has to be workers comp in force whenever you are exchanging money for labor. Employers can hire workers as an employee, or as a subcontractor. I would encourage you to consult an accountant […]
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Slow leaks in a home are the worst. They generally not covered on most homeowners policies. Water is covered from when the loss is “sudden and unexpected” like a burst pipe. Things that are generally not covered are wear and tear and neglect. As houses age, things break down. It is the obligation of the […]
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It’s important to have coverage for your stuff. Whether it is your personal property in your home, or your equipment for your business. I encourage everyone to evaluate their coverage amount and at the same time, make sure that coverage is there for you if you need it off your premises. On a personal lines […]
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Most people understand why it is important to keep your auto insurance in force. It’s the law. That doesn’t scare 1 out of 7 people out there who are driving around uninsured. What you may not know, is there is a financial consequence to having a gap in your auto insurance. People who have gaps […]
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There are two coverages inside of a commercial auto policies that you need to be aware of. Hired and non-owned auto will protect your business if you and/or your employees are in an accident. Hired auto will cover you if you are renting a car for business. The liability from your policy will transfer over […]
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Workers compensation is a need for any company that has W2 employees. It is a policy to protect your employees if they are injured on the job. The pricing on a workers compensation policy can be confusing at first, but it’s really pretty simple when it is explained. There is your payroll, your industry rate, […]
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What if you as a business owner are accused of something by an employee or ex employee for something that you didn’t do? What if you are accused of sexual harassment? Or wrongful termination? Or discrimination? What if this disgruntled employee hires a lawyer? According to a 2015 Hiscox study, 1 in 5 businesses of […]
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Did you know statistically 1 out of every 8 drivers is uninsured? There is a coverage called uninsured motorists that is available on your auto policy, but did you know that covers your medical bills? What about your car? How is that covered? What if you have liability only on your vehicle? The answers lie […]
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When you write an auto policy with an insurance carrier, the insurance company insures the vehicle for blue book value. If you make any additions to the vehicle, it’s important to let your insurance company know in order to make sure everything is covered. For example, if you add a cover to your truck. It’s […]
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Let’s say you just bought a spanking brand new car. It has all the new tech, all the bells and whistles and as your seat is warming up and you are figuring out how play a song on your radio, you rear end someone and total it. You walk away unscathed other than your pride […]
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This topic many don’t know about and many will not care about. BUT, I have had a number of conversations in my agency over the past year revolving around this topic so it was time to chat about it. What are OEM parts? OEM stands for Original Equipment Manufacturer. This is an endorsement you can […]
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I sat down with a friend recently so that she could share the story of the most difficult time of her life. Lisa lost her husband after a brutal bout of cancer. Dan was 49 years old. Dan did a beautiful for Lisa years before. He purchased a life insurance plan for her and it […]
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There can be some confusion sometimes between what constitutes “full coverage” auto insurance and liability only. What full coverage means, is that you have liability AND coverage to repair your vehicle in the event of an at fault claim. Other coverages are available on an auto policy, but they are optional and don’t automatically come […]
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It’s a homeowners biggest nightmare. Picture yourself coming home from a long day of work to an empty house. Maybe you’ve been looking forward to sitting down with a glass of wine or an iced tea and a little time to decompress. You pull up and your driveway is wet. You open the garage and […]
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Your home is most likely only your biggest asset and it is crucial that you insure it properly. Odds are you have no idea what your home is insured for. Maybe your mortgage broker put it all together for you with an insurance agent. It’s time to dust off that policy and take a look […]
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