Why do I need Renters Insurance?

As the landscape of insurance has been changing over the years, my clients have been understanding the advantage of using higher deductibles on their Homeowners Insurance. In the last several years the midwest has sustained hail storms and flooding that we had not seen in many years. As a result,...

Recently one of my clients traded in a Honda Accord for a Honda Civic thinking they would save money. When I changed cars on the policy we realized the 6 month premium would go up $100 rather than go down. Some smaller cars are less expensive to purchase, but more expensive to insure because of a...

Long Term care insurance is something people generally know about, and talk about.....but seem to not want to act on purchasing. Why is this? I imagine it makes someone think of their own mortality, and quite frankly that is not a pleasant topic for us. As an Insurance Agent, I have witnessed man...

It appears there is a new law with FHA financing that requires personal Condominium Insurance with Interior building property limits at a minimum of 20% of the purchase price of the Condo unit. This is of course also true with Townhomes that have a master policy and act under Condo Association gu...

We all have seen the glut of vacant homes on the market, as this is just part of today's economy and the situation within the Real Estate industry. As a general rule, your homeowners insurance will continue to cover your home with the exception of vandalism coverage if the home is vacant and not ...

Well...it is very possible that you are! As I write this early in the morning on the 4th of July, I reflect on the many Holiday celebrations that will be taking place this weekend. Of course in today's society, everyone wants to sue everyone else whenever they can, and for whatever they can. The ...

Most of the major well known Insurance Companies allow for permissive use of your automobile. That simply means that anyone is covered driving your car as long as they have permission to use the car. This question often comes up because most insurance companies will print a line on the policy dec...

Many of my clients when asked tell me they feel they have adequate Life Insurance through their employer. In reality Life Insurance as a replacement of income should be several times your annual income, and most employer sponsored policies provide a flat amount of coverage...usually 1 or 2 times ...

As a tenant renting a home or apartment, Renters Insurance can become an extremely valuable form of protection. Most policies average $150 a year or less, depending the combination of coverage you desire. The most common misconception is that the Landlord will cover my possessions in the event of...

In recent Blogs I have talked about water back up, and flooding as well. As mentioned, damage from water in the basement is covered in different ways, depending on where the water comes from. I read a recent article that indicated that on average having 1 inch of water in the basement will cost a...