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.
We have Great Rates for Boat Insurance!
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.

• Tip: If the family cannot afford to insure both wage earners, the primary wage earner should be insured first, and the secondary wage earner should be insured later on. A less expensive term policy might be used to fill an insurance gap.
• If one spouse does not work outside the home, insurance should be purchased to cover the absence of the services being provided by that spouse (child care, housekeeping, bookkeeping, etc.). However, if funds are limited, insurance on the non-wage earner should be secondary to insurance for the wage earner.
• If there are no dependents and your spouse could live comfortably without your income, then you will still need life insurance, but you will need less than someone who has dependents.

Tip: At a minimum, you will want to provide for burial expenses and paying off your debts.
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.
Live-In Elders
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.
Boomerang Kids
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.

• There are dozens of insurance carriers who want your business but their premiums to cover you can vary by hundreds of dollars for the same coverage. If you call an insurance company directly to get a policy, you will only get one price and it may be way too high. By using our independent insurance agency, you will have the advantage of a licensed individual working on your behalf to find the lowest price for great coverage.
• Many people ask why an agent will get the lowest price. It is because we know that if we don't find you the best price you will look elsewhere for insurance. Like any other retail store an agency won't stay in business if they are selling products at a high price. 
• You may wonder if you are getting the best coverage.  This is what our agents are trained to do.   Selling poor coverage will ultimately lead to you being dissatisfied in the event you have a claim.  If you are dissatisfied, then the agent loses a customer. Our agents depend on making sure their customers are satisfied and coming back year after year.

Our agents know the difference between quality carriers and carriers that may not be there for you when you need them. Contact us at your convenience to get great rates and excellent service for local folks. 

​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

• As with most other insurance decisions, the adjuster handling your case uses a formula to determine if the car is repairable or a total loss. Even minor car repairs are expensive, so older cars with lower values are often less expensive to replace than repair. A repaired vehicle often doesn't function quite the same or offer the same safety benefits either.
• By declaring a total loss, the insurance company can reimburse you with the money to buy a replacement vehicle rather than spending more to cover the repairs. When the car insurance company declares a vehicle as totaled, they usually must pay you its fair market value on the day of the accident. Remember, this is the car’s depreciated cash value at the time of the loss.

What Happens to Totaled Cars?

• You can't keep a car that the car insurance company declares as a total loss. In exchange for the reimbursement of its value, the insurance company becomes the legal owner of the damaged vehicle. They sell these cars to salvage yards to recoup a little of their cost.
• Salvage yards generally break these cars down into salable parts and recycle the rest, but cars with limited damage may undergo repairs and end up resold as running vehicles again. This means you may see your old totaled car driving around again one day, but it's highly unlikely.

Can I Dispute a Declaration of Total Loss?

• When you get into a minor collision but have a car with a very low market value, even a badly dented bumper could tip your car into a total loss. If you want to keep your vehicle, you can try disputing the declaration.
• Hire a private vehicle appraiser to make their own assessment of your vehicle's condition and value to back up your claim. If the auto insurance company disagrees, you can argue the case in litigation, but must prove the vehicle costs less to repair than to replace to win the claim.

Getting compensated an adequate value of a totaled car should help you find a reasonable replacement. If you're concerned, talk to our insurance agency about how the insurance companies handle declarations of total loss before you get into an accident.

​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.
www.insureuonline.org/quiz_military.htm

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..?

• The thing to remember about artisan’s insurance is that it is strictly liability insurance. Artisan’s insurance does NOT cover things like your business office, your supplies, or your work vehicles. Artisan’s insurance is liability insurance and only liability insurance, it covers what are essentially mistakes made by you or damages done because of craftsmanship errors. If you're a contractor that specializes in a certain area, you probably already know how important it is to fully insure and protect your business.
• Unfortunately, mistakes happen each and every day for businesses. But if you're a contractor that deals in repairing, creating, or installing things in homes or businesses and something goes wrong...it could very easily be the end of your business and your livelihood if you're not properly covered.
• Again, the reason that you'll want artisan's insurance is for the liability aspect only. To cover your business office, supplies, work vehicles, and other things you will need to purchase a separate insurance plan.
• If you work in someone's home, or work on a business’s property, there's a certain amount of inherent risk involved. When people get hurt because of your craftsmanship, they'll have to be compensated financially somehow. This means that they'll come after you to pay for their medical expenses and/or damages.
• If you are part of a group of different skilled artisans working on the same building or same large project and one of the other artisans makes a mistake that results in damage or injury guess what, all the artisans in the building could be held liable, not just the one who made the actual mistake. So, artisan’s insurance doesn’t just protect you from your own mistakes, it protects you from the mistakes that other artisans can render you liable for as well.
• If you’re an artisan contractor the brutal fact is it only takes one mistake, one incident to ruin you financially and no one deserves that. Make sure you’re properly covered for that liability so one mistake doesn’t spell the end.

Want to know more? Contact our agency for a no-obligation review of your insurance needs. We can get you a quote in minutes when we have your complete information on hand.

​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:

• Students who live in a dorm are covered under their parents' standard homeowners insurance policies – That is, their possessions are protected by "off premise" coverage. However, some homeowners policies may limit this amount of insurance, so make sure you understand your own policy.
• Students who live off campus are likely not covered by their parents’ homeowners policy – Our insurance professional can tell you whether your homeowners or renters policy extends to off-campus living situations. If it does not, to protect student belongings, those living off campus may need to purchase their own renters insurance policy.
• Computers and smartphones may carry stand-alone insurance – If you're getting these items new, at the time of purchase you may be offered insurance or other protections against theft or loss. Also, check the credit card used for the purchase, to see what protections might be available.
• Consider a stand-alone policy specifically designed for students living away at college – This can be an economical way to provide additional insurance coverage for a variety of disasters.
• If your college-bound student is leaving the car at home, make sure to tell our insurance agency – Depending on how far he or she is going away to school, you might be eligible for a premium discount.

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.

• Good credit makes it easier to get a mortgage at a competitive rate, and it may also qualify you for a good credit discount on your insurance.
• Make sure you know your credit rating before you apply for a mortgage.
• Get a copy of one or all of your credit reports.
• Make sure they are accurate and report any mistakes immediately.
• Take steps now to improve it if your credit is not as good as it could be.

Protect Yourself with a Renters Insurance Policy
If you are currently renting a house or apartment, protect yourself financially with a renters insurance policy.

• This provides insurance protection in the event a fire, hurricane or other insured disaster damages or destroys your personal possessions.
• It also covers the cost of additional living expenses if something happens to make your rental home or apartment unlivable.
• Additionally, renters insurance gives you liability protection if someone is injured in your home and decides to sue you.
• Disasters happen, and it would be unfortunate to have to use the down payment you saved to buy your new home to pay for losses that could have been covered by renters insurance.
• Furthermore, having a renters insurance policy provides a useful insurance history to your prospective homeowners’ insurer when you go to buy your first home.

Our office looks forward to a no-obligation review of all your insurance needs.