Auto Insurance & Your Children

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

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Is Your Auto Premium Burning Your Money?

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

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Are Your Assets Protected?

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

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Who Will Pay For My Auto Damage?

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

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A Quick Renters Insurance Guide

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)

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Auto Insurance With a Poor Driving Record…

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.

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What Type of Life Insurance Do I Need?

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

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Is Your Auto Insurance Covering You “Full”?

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

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Will Your Home Insurance Leave You Out In The Cold?

Is your home insured for enough? I know we all want to pay as little as possible for our insurance, but it’s always a good idea to review your home insurance at every renewal and make sure your dwelling coverage amount is sufficient. Most home insurance policies with extended replacement cost coverage for the dwelling

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Are Your Gutters Clean?

When it rains, it pours. And so can a clogged gutter. Cleaning your gutters is a simple home maintenance task that can prevent damage to your home. Overflowing gutters can often drain behind your fascia board and cause interior water damage to your walls or ceiling. So make sure your keep them clean and avoid

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