Skip to the content

Category: Home Insurance

Multi-Policy Discounts Can Save On Auto and Home Insurance

  What are multi-policy discounts? Everyone who owns an automobile and home has the opportunity to save money. Insurance companies will offer you discounts if you place your home and auto insurance with them, because insurance companies want your business.  These discounts may also apply to your motorcycle, boat, RV and even your personal umbrella policy. Multi-policy advantages There are advantages to have all your...

We Think Of Insurance as a Promise

Business and personal insurance update Many people look at insurance as a commodity, like buying car or a piece of furniture.  Consequently, they become caught up in searching for the lowest price for the “product of insurance.”  Insurance is less of a commodity and more of a promise or service. Promise vs. product Insurance is a promise from the insurer to cover your claim or...

When To Call Your Agent?

If you are shopping for personal insurance, including homeowner’s insurance, auto insurance, RV, boat, or motorcycle insurance, the process can be much easier than you think. Working with an independent agent will save you both time, and money on your personal insurance. But once you have insurance, don’t stop calling us. There are a number of reasons to stay connected with us. The more we...

Common Home Insurance Pitfalls

Owning a home is one of the most important investments you can make. As your family grows, your needs will change as well as your risk. We think it is very important to review your insurance program every year to make sure it still meets your needs. Compared with investment decisions and estate planning issues, perhaps questions about the language in your homeowner’s policy may...

Replacement Cost Coverage

Most homeowners and businesses buy insurance to cover the repair/replacement of loss of damaged property. Generally speaking, insurance companies do a good job of managing claims and helping the owners get their property back to a pre-loss condition. One important part of the insurance process is to understand the difference between Replacement Cost (RC) and Actual Cash Value (ACV) coverage.  Let’s start with definitions of...