You generally only need give the other driver your name and information (name & phone number of your insurance company).

• Would you give a stranger your driver’s license number?
• Would you let a stranger photograph your driver’s license?
• Would you give a stranger your home address?
• Would you give a stranger your home phone number?
• Did you know that some accidents are staged just to steal your personal information?

Take steps to protect yourself, your property and your identity
National Association of Insurance Commissioners (NAIC) has developed a mobile application – “Wreck-Check” to help you take the guesswork out of what information to share. It’s free and available for both iPhone & Android smartphones. 

​WreckCheck App for Smartphones
In the course of your lifetime, an auto accident is bound to happen. When it does, take some of the guesswork out of a tense situation with the NAIC's WreckCheck™. This free mobile app for iPhone® and Android® smartphones outlines what to do immediately following an accident and walks users through a step-by-step process to create their own accident report.
Don't have a smartphone? Download a printable accident checklist and other tips for staying calm, safe and smart on the road.

​Storms can be intense, causing damage to the structure of your home. You may walk outside to find your patio table shattered into pieces or it may be in the neighbor’s backyard. When this type of damage occurs, contact your home insurance agent. Your agent will work closely with you to better understand what occurred. You may be able to file a claim for it. When does it apply?
When Does Home Insurance Cover?
Home insurance does not provide coverage for normal wear and tear on these items. If your patio table suffers a crack as a result of age, that will not have protection. It also does not apply if someone in your home causes the damage. This might include a child hitting it, for example.
Rather, it applies in unexpected events including storms. It should provide financial protection for your patio furniture if it suffers damage due to lightning, fire or wind. If large hail hit the structure of your patio table shattering the glass, your coverage applies here, too.
What About Your Deductible?
Before you can obtain compensation for the losses, you must consider the deductible. Home insurance policies nearly always have one. This is the amount you are responsible for paying before the insurance company kicks in to pay the rest.
The key here is to know what your deductible is. Then, consider the value of your patio furniture. If the value isn’t significantly below the deductible, there is no benefit in filing a claim. You will not receive funds for it.
How Much Is Your Patio Furniture Worth?
Whether you have a wicker patio set or an elegant set of Adirondack chairs, your home insurance policy usually pays out based on the value of the items before the storm occurred. This takes into consideration depreciation since you purchased them. If your policy offers replacement cost coverage, on the other hand, they may pay enough for you to purchase a new piece of furniture similar to the one you have now.
When an event like this occurs, take pictures of what happened. Then, contact our insurance agency. We will walk you through the process of determining if you have coverage, what your deductible is, and how much you could receive for the loss. Storm damage is a typical type of coverage for most policies.

Yes. The Blue Book is only a guide. The company is required to pay you what your vehicle was actually worth (as a used car) the moment before the crash. The adjuster will find out how much used cars like yours (same make, model, and year) are going for in your area. It's a good idea for you to independently research the value of your car too.

Auto insurance can be confusing. That’s why our office stands ready to help you have a better understanding of your coverages. We invite you to contact our office for a no-obligation review of all your insurance needs.

Contractors or Cons?
Your home may be destroyed by a fire, flood, storm or other catastrophe. You're scrambling around to get your life back in order and you may think that things couldn't get worse. Well, they can and often do because of people who can't spell contractor without c-o-n.

The period after a serious loss is hectic, emotional and disorienting. Your major concern is to get your home repaired or rebuilt. These elements make you very vulnerable to "CONtractors" - people who specialize in victimization instead of construction and in rip-offs rather than repairs.
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Slow Down And Make Good Decisions
While you may be in a hurry to restore your loss, it is critically important to avoid persons who appear on your damaged doorstep offering to start construction. While handling a serious loss, think of taking precautions such as the following in order to avoid compounding your problems:

• Pay attention to any "feelings" you get about any contractor, particularly when they initiate contact
• Refuse to pay any money "up front"; a reputable contractor always works according to a written agreement, spelling out cost of materials, labor and other important work details
• Contact more than one contractor to get competitive estimates
• Make sure that any contractor you talk to provides references and proof that they are insured
• Check references and ask for evidence of how long the contractor has been in business
• If a local chapter is available, call the Better Business Bureau and check for complaints
• Ignore any tactics intended to pressure you into making an immediate financial commitment.

Keep in touch with our agency during such trying times. We're already committed to providing genuine help and guidance.

​So, you just got married, or you just had a point taken off your record or you just improved your credit score. Your auto insurance premiums should be a little lower now, right?
Well, don't count on it.
In some cases, your car insurance provider will automatically adjust your premiums to fit your current profile. Once certain moving violations are off your record, for instance, you may see an instant change to your bill. But most factors will not result in a change until you get in touch with your insurer and let them know.
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Businesses have a lot of technology to track their customers now. If you tell your insurer that you're married, they can check with the courthouse and see if you ever filed a marriage certificate. But they don't exactly check every customer's data on a weekly basis, nor do they have a system plugged directly into your credit rating to see how you're doing in real-time.
As a general rule of thumb, it breaks down like this:

• If it's just a matter of time, then your rates will probably be adjusted automatically. Your insurer already knows when you were born, so they will typically adjust your insurance premiums accordingly each time you hit an age milestone. Likewise, points on your record typically have a built-in expiration date, and once that date is passed, they will no longer be held against you.
• If it's something you went out of your way to achieve, like an advanced driving course, an improved credit score, or you just got married, you'll probably have to call them up and let them know. In some instances, you may be required to show proof, such as a certificate of completion for that driving course. Some discounts may even involve an application process after you've completed the necessary qualifications.

All of this being said, different insurers may have different approaches to tracking your profile, so any time you're expecting your rates to go down, for any reason, it's a good idea to call our agency and keep us informed.

Home insurance is important for both homeowners, mobile homeowners and renters. Homeowners and mobile home owners need to purchase insurance to protect their homes and personal property. Those who rent need insurance to protect their furniture and personal property. Everyone needs protection against liability for accidents that injure other people or damage their property.
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Whether you live in tornado alley, wildfire zones or along coastlines prone to flooding and hurricanes – now is the time to properly insure your home and possessions.

In recent years severe weather disasters across the country have inflicted more than $43 billion in damage. But research suggests more than half of consumers do not have an inventory of their possessions. Now is the time to make sure you have properly insured your 'stuff.'

Creating a simple home inventory helps you track what you own and what it is worth, making important insurance decisions easier. Here are the 7 Best Home Inventory Apps of 2020

• Sortly (iOS, Android): Best Overall
• Memento Database (iOS, Android, Desktop): Most Versatile
• Nest Egg (iOS): Most Features
• MyStuff (iOS): Best for Organizing Collections
• Magic Home Inventory (Android): Best for Multiple Properties
• BluePlum Home Inventory (iOS): Best for Remote Management
• Smart Inventory System by NonZeroApps (Android): Best for Tracking Quantities

El seguro para inquilinos brinda protección financiera contra la pérdida o destrucción de sus posesiones cuando alquila una casa o apartamento. Si bien su arrendador puede simpatizar con un robo que haya experimentado, o un incendio causado por su hierro, la destrucción o pérdida de sus posesiones generalmente no está cubierto por el seguro de su arrendador. Debido a que, en la mayoría de los casos, el seguro para inquilinos cubre solo el valor de sus pertenencias, no el edificio físico, la prima es relativamente barata.

Al comprar un seguro para inquilinos, sus pertenencias están cubiertas contra pérdidas por incendio o humo, rayos, vandalismo, robo, explosión, tormenta de viento y daños por agua (sin incluir inundaciones). Al igual que el seguro de propietarios de viviendas, el seguro de inquilinos también cubre su responsabilidad ante otras personas lesionadas en su hogar o en otro lugar por usted, un miembro de su familia o su mascota y paga los costos de defensa legal si es llevado a los tribunales.

El seguro para inquilinos cubre sus gastos de vida adicionales si no puede vivir en su apartamento debido a un incendio u otro peligro cubierto. La mayoría de las pólizas le reembolsarán la diferencia entre sus gastos de vida adicionales y sus gastos de vida normales, pero aún pueden establecer límites en cuanto al monto que pagarán.

Hay dos tipos de pólizas de seguro para inquilinos que puede comprar:

• Valor real en efectivo: paga para reemplazar sus pertenencias menos una deducción por depreciación hasta el límite de su póliza
• Costo de reemplazo: paga el costo real de reemplazar sus posesiones (sin deducción por depreciación) hasta el límite de su póliza

​Con cualquiera de las políticas, puede considerar comprar un flotador. Una póliza estándar para inquilinos ofrece una cobertura limitada para artículos como joyas, plata, pieles, etc. Si posee una propiedad que excede estos límites, se recomienda que complemente su póliza con un flotador. Un flotante es una póliza separada que brinda un seguro adicional para sus objetos de valor y los cubre para los riesgos no incluidos en su póliza, como la pérdida accidental.
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Una revisión rápida y sin compromiso con nuestra agencia le informará todo lo que necesita saber sobre el seguro para inquilinos. Llama hoy. Muchas transacciones se pueden manejar desde la comodidad de su hogar.

Renters insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you have experienced, or a fire caused by your iron, destruction or loss of your possessions is not usually covered by your landlord’s insurance. Because in most cases, renters insurance covers only the value of your belongings, not the physical building, the premium is relatively inexpensive.

By purchasing renters insurance, your possessions are covered against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods). Like homeowners insurance, renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

Renters insurance covers your additional living expenses if you are unable to live in your apartment because of a fire or other covered peril. Most policies will reimburse you the difference between your additional living expenses and your normal living expenses but still may set limits as to the amount they will pay.

There are two types of renters insurance policies you may purchase:

• Actual Cash Value – pays to replace your possessions minus a deduction for depreciation up to the limit of your policy
• Replacement Cost – pays the actual cost of replacing your possessions (no deduction for depreciation) up to the limit of your policy

With either policy, you may want to consider purchasing a floater. A standard renters policy offers only limited coverage for items such as jewelry, silver, furs, etc. If you own property that exceeds these limits, it is recommended that you supplement your policy with a floater. A floater is a separate policy that provides additional insurance for your valuables and covers them for perils not included in your policy such as accidental loss.
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A quick, no-obligation review with our agency will tell you all you need to know about Renter’s Insurance. Call today. Many transactions can be handled from the comfort of your home.

​Well, since it is required where you live, you are breaking the law.

• If you get caught breaking the law, the fines are substantial.
• If you are at fault in a car accident and injure someone else, they will sue you for everything you are worth.
• If you cause a car accident and your car is damaged, you will have to pay for the repairs yourself.
• You are being a bad citizen. If you injure someone else, you will be unlikely to fairly compensate them for the harm you caused them. Imagine you cause a brain injury and the person needs care for the rest of their life, and you leave them with nothing.

​Be a good citizen and make sure to always have adequate insurance on your vehicles. Our office has many plans to suit your budget and insurance needs.

It's important that mobile home owners understand they have different insurance coverage requirements. We provide mobile home insurance policies for all types of manufactured and mobile home owners. When you choose our agency, you will receive the following:

• Customized coverage options for your mobile home insurance policy
• Liability coverage if you are responsible for an accident on your property
• Coverage for your mobile home insurance additions

Liability Insurance Needs
The liability protection connected with mobile or manufactured homes is, for all practical purposes, identical to the liability provided to conventional home owners. Why? The likelihood of guests to be hurt at your home, or your probability of being sued, tends to be the same.
The most important thing to remember is that our agents are a tremendous source for getting the information you need to be sure that your home and property are adequately protected at a reasonable price.