October 6, 2022
AgencyCalculating Life Insurance Premiums
If you’re applying for life insurance, you’ll likely be asked a variety of questions about your health and medical history. You will also likely have to undergo a physical exam before an insurer will issue you a policy and final quote. This is because life insurance premiums are calculated after looking at an individual’s health […]
September 30, 2022
AgencyWhat is Hydroplaning?
You’re driving during a storm or on a wet street. You don’t notice initially, but suddenly you feel the vehicle is skidding to the side. This called hydroplaning. Hydroplaning is one of the most common types of incidents in wet conditions. The term itself refers to the process of sliding or skidding as the tires […]
September 19, 2022
AgencyThe Three Common Types of Smoke Alarms
When a fire ignites in your home, fast action on your part is vital. The safety of you and your family depends on how quickly you detect the fire and vacate your house. Early fire detection also means the fire department can put out the fire sooner, which can result in less damage to your […]
September 7, 2022
AgencyUmbrella Insurance: Are You a Good Candidate?
If you own a car, you probably have car insurance. You probably have home insurance on your house as well. You want coverage to protect your assets in case of unexpected, unpreventable accidents. However, there will always be a risk that your coverage won’t fully cover one of your losses. That could lead you to […]
August 31, 2022
AgencyAre There Consequences to Filing a Home Insurance Claim?
Homeowners buy insurance to protect themselves from risks. You want to know that if a problem occurs, you can file a claim. However, many worry about the consequences of filing a home insurance claim. Will doing so cost you more than paying the claim out of pocket? In some cases, you may wish to avoid […]
August 16, 2022
AgencyGetting Umbrella Liability Coverage for Your Household
When you buy homeowners insurance, you will likely have liability coverage. However, even if you carry the most your policy offers, then you still might need more protection. In this case, you might buy an umbrella liability policy. This is versatile coverage that you can use for a variety of household liability claims. Understanding Homeowners […]
August 4, 2022
AgencyDo You Understand Life Insurance?
About one-third of American families do not have life insurance and many families that do have it are vastly underinsured. In fact, life insurance ownership is at a 50-year low. What’s causing this lack of coverage? The Life Insurance and Market Research Association (LIMRA) conducted a study and found that most Americans simply don’t understand […]
July 28, 2022
AgencyHow Long Should I Carry Life Insurance?
Many people buy life insurance with a very specific purpose in mind. Their overarching objective for their coverage, however, is to provide their loved ones with a financial settlement in the of their deaths. There are numerous types of life insurance policies on the market, and each is designed to provide specific benefits that are […]
July 18, 2022
AgencyNighttime Driving Tips to Keep You Safe on the Road
Driving after dark is very common in the late fall and winter months. The sun sets sooner, making it harder to navigate the way home after work. The risks are many. Deer are crossing the street virtually unseen. A child could be walking along the edge of the road, hard to notice until you are […]
July 6, 2022
AgencyTips for Creating a Home Inventory
Should you ever have to make a homeowners insurance claim, a home inventory list will greatly speed up the process. Homes contain an enormous collection of personal belongings, as you may have appreciated when boxing them during a move. Imagine trying to create such a list from memory. Very few people could do it. That’s […]