insurance review Archives - Gannon Associates

Insurance Score?
Insurance Score?

Insurance Score?

You may know that your history of accidents and violations, insurance claims, and more impact your insurance rates. But did you know that you have an insurance score? Insurance scores, or insurance credit score, is a three-digit number assigned to you that predicts the risk of an accident or insurance claim in the future. Scores above 770 are considered good, 500 – 770 are average, and below 500 are poor. The lower your insurance score, the higher your premium may be. Think of it as a credit score but for insurance. How is [...]

Kali Jo Grove2022-03-04T16:34:34+00:00March 27th, 2022|

Smart Homes and Insurance
Smart Homes and Insurance

Smart Homes and Insurance

“Hey Alexa, can you turn on the lights and lock the doors?” “Hey Google, close the window blinds.” “Hey Siri, change the channel.” From voice-activated hubs to doorbells and locks you control with an app on your phone, the idea of a smart home has become reality. More homes are converting to smart technology lightbulbs, blinds, plugs, and everything you can think of. This evolution has brought about a lot of convenience to our lives, but it also brings a ton of questions… One of the biggest questions we hear from our clients [...]

Kali Jo Grove2022-01-31T16:55:16+00:00February 6th, 2022|

Do You Need A Personal Article Floater?
Do You Need A Personal Article Floater?

Do You Need A Personal Article Floater?

We’ve all heard the horror stories… a diamond wedding ring lost in the ocean, an expensive camera dropped from a rollercoaster, a precious piece of art waterlogged after a flood… nothing can prepare you to lose one of your most valuable items. Now imagine, already devastated from the loss, you learn that you don’t have the right insurance coverage to replace the item or pay for repairs. Most everyone has items that are valuable or special to them. It could be a family heirloom, an expensive engagement ring, or even your favorite t-shirt [...]

Kali Jo Grove2021-11-29T19:20:21+00:00December 12th, 2021|

Insurance Needs for New Graduates
Insurance Needs for New Graduates

Insurance Needs for New Graduates

Congratulations! Graduating from college is a huge accomplishment. The next few months are going to be filled with so many firsts, from your first career job to a new apartment or vehicle, life is sure to be full of changes. As you transition from college student to full-fledged adulthood, you want to make sure to not overlook one of the most important firsts. Insurance. Insurance may not be as exciting as buying your first new car or starting your dream job, but it is an important “first”. Having insurance can help set you [...]

Kali Jo Grove2021-07-27T14:03:05+00:00May 30th, 2021|

Insurance Jargon Made Easy
Insurance Jargon Made Easy

Insurance Jargon Made Easy

Insurance is confusing! The terms that are used in the insurance industry can be difficult to understand and make it more confusing to understand what your insurance agent is saying. Let us help break it down. Let us start at the beginning with coverage. The formal definition of coverage is “The specific protection provided by a policy against the results of the hazards insured against.” In other words, this is the amount of protection you have against a covered loss. For example, if your home burned down this term would apply to the [...]

Kali Jo Grove2021-07-27T14:23:03+00:00May 2nd, 2021|

Home Renovations? Update Your Insurance.
Home Renovations? Update Your Insurance.

Home Renovations? Update Your Insurance.

Spring is here and for many that means home renovations! From adding a pool to remodeling the kitchen, many are looking to refresh and renew their home by doing some updates, but you may want to take a moment to consult your insurance agent. Homeowners insurance is dependent on factors such as a home’s size, condition, and the cost to rebuild in the event of a loss. What if those factors change? Home renovations such as adding a deck, or a family room addition can alter the amount of coverage you need. Any [...]

Kali Jo Grove2021-07-27T14:27:39+00:00April 26th, 2021|

New Year, Same Policy?
New Year, Same Policy?

New Year, Same Policy?

Last year showed us that we never know what the future can hold, and we should be prepared for anything. As we ring in 2021, consider the things you care about most. What would happen to them if something unexpected were to occur? Would they be fully protected? This is a great time to review your insurance policies and see that everything is up to date and that you have all the coverages you need. Let's run through a quick insurance checklist to see if the basics are covered: Life Insurance Any changes [...]

Kali Jo Grove2021-07-27T15:29:06+00:00January 3rd, 2021|

How Ordinance or Law Changes Effect Your Insurance!
How Ordinance or Law Changes Effect Your Insurance!

How Ordinance or Law Changes Effect Your Insurance!

Building codes constantly change and are regularly updated. Your home may have been in total compliance with the building codes just a few years ago, but now, it may no longer meet your community's current building codes. In fact, it is reasonable to assume that houses built more than 10 years ago likely do not comply with today's ordinances or laws. This is a problem because any lack of compliance, although unintentional and even unknown, could result in a major out-of-pocket expense following a major loss to your home. Your homeowners' policy provides [...]

Kali Jo Grove2021-07-27T15:40:46+00:00December 6th, 2020|

Spring Cleaning and Home Safety
Spring Cleaning and Home Safety

Spring Cleaning and Home Safety

As the weather warms up, we are in the middle of spring. Spring can be a great season full of baseball games, rain showers, and fresh flowers. However, spring also brings with it the damage that winter left behind. Snow and ice can damage your property and it is important to do some cleanup and get ready for the warmer weather. As you spring clean your home, keep the following tips in mind. Clean up Your Yard Yard maintenance can make a large difference in the safety of your property. You should trim [...]

JohnAdmin20182019-05-01T16:12:28+00:00May 11th, 2019|