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​Have a safe & fun Halloween!

10/30/2022

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No Tricks … just be Treated to expert advice on finding affordable insurance!
Call our office and let us do the searching for you.
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​How do I really know when I need a Commercial Auto Policy?

10/26/2022

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The definition of “commercial use” varies by company. Our agency can help you determine your needs.
Do you:
  • Have a trailer or permanently attached equipment such as ladder racks, shelving, etc.?
  • Have a commercial license plate?
  • Have other people drive your vehicles to work?
A Few examples of businesses that generally require a commercial auto policy:
  • Sole proprietorship, partnerships, corporations
  • Pizza, newspaper and food delivery
  • Real estate agents
  • Catering
  • Door-to-door consulting services,
  • Landscaping or snowplowing services
  • Day care or church van services
  • Transporting passengers or property for a fee
So which policy is right for you? Commercial Auto or Personal Auto. We invite you to contact our agency for a no-obligation review of your unique situation.
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Is someone getting jewelry for Christmas?

10/24/2022

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When you buy an engagement ring or expensive jewelry, know what your policy says.
Most homeowners and renter's insurance include jewelry as personal property, but that coverage may not be enough to cover your purchase.
Many policies set a limit and might not protect against all losses. Given the sentimental value of some heirlooms, think about coverage for all situations.
  • Your standard policy might only cover a fraction of what your jewelry is worth.
  • Most policies will protect against theft, but you may need additional coverage to protect your jewelry against damage or loss.
A jewelry floater is an optional addition to a homeowner's insurance policy that protects against financial loss from the damage or theft of valuable jewelry.
  • Though a basic homeowners policy provides some jewelry coverage, if an individual has a sizable and valuable jewelry collection, they should add a jewelry floater on top of their basic policy. The jewelry floater will provide a higher dollar amount of coverage for jewelry than a basic homeowner’s insurance policy does.
  • Some jewelry floaters also offer coverage against more perils than homeowners' insurance does. For example, they might cover accidental loss, while a basic homeowner's policy would not. Since not everyone owns expensive jewelry that they want to insure, a basic homeowners policy provides limited coverage for jewelry.
  • The minimal jewelry coverage provides homeowners with some jewelry insurance, but homeowners do not pay for unnecessary jewelry coverage. For example, a basic policy might provide $1,000 or $1,500 in jewelry coverage. So, if a homeowner purchases a $5,000 engagement or wedding ring, they might buy a jewelry floater to ensure that they have protected the ring’s full value.
  • Depending on how much the premium for the jewelry floater is, the individual might decide to self-insure, meaning that they’ll plan to pay for a new ring out of pocket if the existing one is stolen during a burglary, falls off in the ocean during the couple’s honeymoon or is otherwise damaged.
  • It’s also possible to purchase floaters for other high-value possessions, such as baseball card collections, antique silverware sets, fine art paintings, computers, and fur coats. 
  • Renters insurance also insures personal possessions such as jewelry; you don’t necessarily need to be a homeowner to insure these items. You can also purchase a jewelry floater for a renters insurance policy.
Check with one of our insurance agents to better understand the scope of your policy. If it's not enough to cover the items you want to protect, consider purchasing a separate policy or adding an endorsement.
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​Do You Need Comprehensive Insurance?

10/20/2022

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It is not a hard task to determine whether you require comprehensive coverage for your car. However, before you make the decision to buy comprehensive coverage, you need to have a good understanding of how it works. Comprehensive coverage is intended to cover a variety of physical damage claims, such as windshield and body damage, vandalism, and contact with an animal. Here is some information about why you need comprehensive car insurance.
Do You Have a Loan on the Car?
Lenders usually require physical damage coverage on the cars they have financed to drivers. Comprehensive is usually a portion of such mandatory coverage.
When you sign the contract for a loan, you agree to protect the car against physical damage by buying both collision and comprehensive coverage. You can end up having to deal with expensive penalties if you fail to notify your lender about your insurance coverage. You should ask your auto insurance agent to add your lender as a loss payee for the car. Doing this will ensure your lender is immediately notified of the coverage in case an accident occurs.
What Is Your Level of Risk for Having a Comprehensive Claim?
If you have a high level of risk for having a comprehensive claim, you should get comprehensive auto insurance. Some factors that will put you at high risk of having a comprehensive claim include living in a tornado alley or packing your car under a half-dead tall tree every night. Indeed, any driver can benefit from this coverage. However, for some people it’s worth more than others.
You should take the time to evaluate your risks before deciding whether to get comprehensive car insurance. In general, one would file a comprehensive auto insurance claim for damage to your car caused by the following:
  • Falling objects like a tree limb
  • Explosions or fire
  • Lightning, floods, or hail from tornadoes, thunderstorms, or hurricanes
  • Theft
  • Vandalism and certain civil disobedience
  • Hitting an animal
The higher the risk is for a comprehensive claim, the more you should consider getting the coverage.
What Is the Value of the Vehicle?
 If the value of your vehicle is high, this will help you decide whether it is worthwhile to pay for comprehensive auto insurance. If the vehicle isn’t worth much anymore, then coverage might not be worth the investment.
How Much Does Comprehensive Coverage Cost?
You will be happy to know that comprehensive coverage tends to be reasonably priced. As long as you are not considered a high-risk driver, comprehensive coverage is typically worth the price. Even an older car with minimal value is likely worth the replacement of a windshield from damage.
You should take the time to evaluate your risks before deciding whether to get comprehensive car insurance. For more information about comprehensive coverage, don't hesitate to contact us.
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I want YOU to get an Insurance Checkup!

10/17/2022

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We have great rates for all types of insurance.
  • Has it been over three years since you compared your coverages and rates?
  • Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing them with all the many companies we have available for you.
  • Call us at your convenience and let us see how much money we can save you on your insurance.
  • Our agency is unique because it does not simply stick to one kind of insurance provider but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.
  • So, let us do the searching for you for free! Call our office for a Quick Quote and visit our website for all your insurance needs.
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​It's beginning to look a lot like Christmas!

10/13/2022

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I saw my first Christmas display over the weekend.
That means Halloween will soon be here!
Halloween is a great time to review your insurance needs.
Holidays bring increased traffic, accidents and losses from theft and burglary.
Holiday guests increase your liability risks.
And what can I say about Winter Weather?
Contact our agency before the Holiday Rush begins.
Our rates and service will make you SMILE!
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