Every day you leave your driveway, your money, paycheck, and property are in the trunk of your car. Therefore, if you are sued, those assets can be taken. So take steps to protect those assets with Auto, Property, & Umbrella insurance. Insurance enables you to purchase ‘discounted dollars’ for unforeseen liability circumstances. Why pay for
It’s that time of year when temperatures are falling and your pipes are at risk for freezing. A frozen pipe will burst and can cause major water damage to your home. Here are a few quick tips to prevent that from happening: 1) Make sure your home is properly heated2) For any interior plumbing fixtures
ARE YOUR CHILDREN COSTING YOU MORE MONEY? Many parents ask me, when should I remove my children from my auto insurance? Well, there is no rule or guideline that says you have to remove them at any certain age. Here a few things to consider: 1) How long do you want to be responsible for
What can you do to help prevent it? Everyone wants their auto insurance at the best premium possible, without sacrificing coverage. Here are a few tips to help control the rising cost of your premiums: 1) Don’t be a distracted driver- The main cause of rising auto insurance rates is accidents. If you live in
ARE YOUR ASSETS PROTECTED FROM A RAINY DAY? Do you need an Umbrella? The answer is maybe. An Umbrella is a separate policy that provides excess liability coverage. It comes in increments of $1,000,000. It stacks on top of the liability limits of your auto, home, boat, or motorcycle insurance. Liability insurance protects your assets
If a friend wrecks your car, who pays? At one time or another, we’ve all probably let someone borrow our vehicle. There is one simple rule- Insurance always follows the car, not the driver. While it’s not a good idea to lend your car out all the time, as long as the driver is legally
For those of you who rent, it’s important to make sure your personal possessions are protected. Here are just a few things to consider: 1) Amount of coverage- if your apartment burned in a fire, how much will it cost to replace all of your clothes, furniture, appliances, electronics, etc? Make an inventory list. 2)
HOW CAN I GET INSURANCE WITH A POOR DRIVING HISTORY? Here are a few suggestions that may help: 1) Find an Independent agent- an independent agent will have access to multiple insurance carriers.2) Consider some possible changes to your coverage- it may help to raise the physical damage deductibles on your Comprehensive or Collision coverage.
Just to keep it basic, answer 2 questions- What is it for and what is your budget? Life insurance is basically in 2 categories: 1) Term Insurance- Term insurance covers you for a specific period of time- 10, 15, 20, 30 years, with a level premium. If you are simply trying to protect your mortgage
Many people say or think they have “full coverage” on their auto insurance, but do you? First of all, if you are reviewing your insurance with your agent or getting a new quote, don’t say “full coverage”. That is too ambiguous and means different things to different people. So, here is a quick Auto Insurance