Blog

We often get questions from prospective clients on the types of coverages they should purchase to protect their home, vehicles, personal property, and family members. We put together these common questions and answers for your convenience. Keep in mind that the laws vary by state and a licensed agent will need to advise you on your specific situation: How Do I Save Money on Premiums? The short answer is that consumers can bundle different kinds of coverages together, (i.e. home, boat, and auto). The longer answer is that you can get cheaper coverage if you have good credit, which means paying your bills on time. Most companies will give you a lower premium for paying […]

You would be surprised how many consumers will purchase an auto policy, a motorcycle policy, or a boat policy with little or no understanding of how their benefits protect their household finances. We decided to write a scenario to help readers understand what they will need. Imagine that You and your family are involved in an automobile crash. Your vehicle rolls over and is totaled because a semi-truck driver hauling a trailer full of produce lost control and jackknifed. Before you and your injured family members were discharged from the hospital, you already knew that the semi-truck driver was without his own insurance and that the carrier he worked for was trying to deny responsibility […]

You may choose to work with an agent selling different kinds of liability coverage for your business. This may be done entirely through the agency’s website and via telephone, email, text, and/or postal mail. Your business may also be required to show proof of a bond for a certain amount of money. Proving a bond is common in the mortgage, insurance, title, and building industries. Here are some typical questions that an agent will ask in order to prepare a competitive quote. The more detailed your quote is (i.e. specific to your structure and current operating conditions), the better insurance you will get for your money: Legal Entity This varies by state, but might include […]

There are standard questions that we ask of potential customers seeking to purchase a home insurance policy. We created this explanation of terms and aspects of your residence that will help us prepare a better insurance quote. We can get rates from multiple carriers to ensure that you get cheap insurance (according to your budgetary needs). Here are the basic elements that a prospective insurer will need to know about your home: Type of Home Do you live in a home, a condominium, a duplex, a townhome, a mobile home, or a multi-family residential unit? Year Built The age of your home may make the premiums more if it is older and the cost of […]