Great Insurance Rates for Everyone!
We Love to help Uninsured Drivers!
No Insurance? Insurance Canceled? Too Many Tickets? They don't want you? We Do! We love helping Uninsured Drivers get legal.
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Let us help you provide coverage for Small Boats, House Boats, Yachts, Mega Yachts, and More.
We Can Insure Where You Live!
House, Mobile Home, Renters … we can insure wherever you live. Has it been over three years since you compared your coverages and rates? Let us close coverage gaps and find more discounts.
Insurance for All Your Toys!
If you need a policy for a motorcycle, ATV, watercraft, RV or Camper Trailer, our agency has a policy to fit your budget.
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you.
Let us do the searching for you for free! Call our office for a Quick Quote and visit our website.
The purpose of life insurance is to provide a source of income, in case of death, for your children, dependents, or other beneficiaries. Life insurance can also serve certain estate planning purposes, which we won't go into here.
Buying life insurance is contingent upon whether anyone is depending on your income after your death. If you have a spouse, child, parent, or some other individual who depends on your income, then you probably need life insurance.
Because life insurance protects your family in the event of a death, it is important to determine the correct amount. Most people do not have the right amount of insurance.
There are two basic types of life insurance: term and permanent. Term insurance is insurance that covers a specified period. If you die within this time frame, your beneficiary receives the insurance benefit. Term policy premiums usually increase with age.
Permanent insurance such as universal life, variable life, and whole life, contains a cash value account or an investment element to the insurance.
Rules of Thumb:
The younger your children, the more insurance you need. If both spouses earn income, then both spouses should be insured, with insurance amounts proportionate to salary amounts.
If your spouse would undergo financial hardship without your income, or if you do not have adequate savings, you may need to purchase more insurance. The amount of insurance you need depends on your salary level and that of your spouse, the amount of savings you have, and the amount of debt you both have.
If you need help figuring out the correct amount of life insurance you need, then give us a call. We're happy to help.
Baby boomers are feeling the pressure of empty-nest reversal from boomerangs – adult children returning home to live and live-in elders – seniors trading their current home for a loved one’s spare bedroom. According to Pew Research Center, nearly half of adults in their 40s and 50s have a parent age 65 or older and are either raising a young child or financially supporting an adult child. About one in seven of these middle-aged adults are providing financial support to both an aging parent and a child.
Having an aging parent or other family member move in can be stressful for both parties. Before you unpack that first box, take the time to have “the talk” about finances, including insurance.
Don’t shy away from tough questions such as “are you current on health, auto, home and life insurance premiums,” “are you covered by Medicare,” “is long-term care insurance something we should look into,” and “what are your end-of-life wishes?” This level of detail will help you decide what changes, if any, need to be made to existing coverage.
To minimize stress, seek to make your loved one feel cared about, not cared for.
Welcoming an adult child home can be just as daunting as a live-in senior. Plus, it’s expensive. In fact, experts estimate hosting an adult child in your home costs between $8,000 and $18,000 per year. To minimize the burden and avoid surprises, set clear expectations.
To avoid misunderstandings, the NAIC developed a Welcome Home Contract for host parents of adult children. In addition to outlining basic rules of co-habitation, the contract places under signature key insurance-related agreements.
Let our agency know any time someone moves into or out of your home. Those small changes can have a very big impact on your premiums and coverages in the event of a claim.
In the past 30 years what determines your insurance premium has undergone huge, complex changes. At one time car insurance premiums were based simply on your age, vehicle and driving record, but those days are over. Credit history and stability are becoming huge factors in your premiums in addition to claims history, home ownership, and prior insurance coverage.
When you get into an accident that seems relatively minor, you may end up surprised when your insurance company declares your vehicle totaled. Also known as declaring a total loss, this decision relies on different information than you might expect. Understanding the total loss formula will give you some insight into what might happen the next time an accident damages your vehicle.
The Total Loss Formula
Are you or some loved one serving in our military? See how well you do in this quiz designed for insurance subjects that affect the ones who protect us.
Most homeowner’s insurance policies provide coverage for your personal possessions for approximately 50 percent to 70 percent of the amount of insurance you have on the structure of your home. So, if you have $100,000 worth of coverage on the structure of your home, you would be covered for $50,000 to $70,000 worth of the contents of your home, depending on the policy.
The best way to determine if this is enough coverage is to conduct a home inventory, which details everything you own and the estimated cost to replace these items if they are stolen or destroyed by a disaster. Keep your home inventory in a safe place if you have physical copies; or store it in the Cloud if you are using a home inventory app.
You can insure your possessions in two ways: by their actual cash value or their replacement cost. Make sure you review with one of our insurance agents which type of coverage is best for your situation.
Actual cash value policy
This coverage pays the cost of replacing your belongings minus depreciation.
Replacement cost policy
This coverage reimburses you for the full current cost of replacing your belongings.
To illustrate the difference between the two types of policies, suppose, for example, a fire destroys a 10-year-old television set in your living room. If you have a replacement cost policy for the contents of your home, the insurance company will pay to replace the TV with a comparable new one. If you have an actual cash value policy, it will pay only a small percentage of the cost of a new TV set because the old TV has been used for 10 years and is now worth a lot less than its original cost. Some replacement cost policies specify that the new item be purchased by the insurance company as they may be able to purchase at a bulk or special rate. The price of replacement cost coverage is about 10 percent more than that of actual cash value.
What Is Artisans Insurance?
If you're a carpenter, plumber, electrician, mechanic, mason, or any other sort of skilled artisan contractor, you probably qualify for artisan's insurance.
You may have heard of this type of insurance before as it’s sometimes referred to as contractor’s insurance. So, if you’re an artisan or contractor asking yourself, “what is artisan’s insurance,” know that it is very similar to contractor’s insurance.
So why call it something different? Because artisan’s insurance is a different product than contractor’s insurance and it’s sold through different insurance companies in different states. Understandably, this can be confusing to a contractor who just wants to make sure they are properly insured.
What Is Artisan's Insurance and Why You Need It..?
With burglaries constituting approximately 50 percent of all on-campus crimes, it's important for college students and their parents take steps to prevent theft, adhere to safety measures—and review their insurance coverage.
Campus coverage basics
It's best to consult one of our insurance professionals for the details of your family's specific coverage and where you might need additional protections, but here are some general guidelines:
Thinking through all the costs associated with buying a home will make the process run more smoothly, and it may also save you money. It is important to:
Check Your Credit Rating
A good credit history helps you in many ways.
If you are currently renting a house or apartment, protect yourself financially with a renters insurance policy.