How Your Roof Impacts Your Insurance

Your roof serves as more than just a protective barrier against the elements; it can significantly affect your insurance rates. Many homeowners may not realize the crucial role their roof plays in determining insurance premiums. Understanding this impact is essential for making informed decisions about your home insurance coverage. Roof Age and Material One of the primary factors insurers consider is the age and material of your roof. Newer roofs made of durable materials such as asphalt shingles, metal, or tile generally command lower insurance premiums. These materials offer better resistance to weather [...]

2024-04-03T15:33:09+00:00April 3rd, 2024|

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 [...]

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

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 [...]

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

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 [...]

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

Personal Cyber Insurance

We have all heard the stories of businesses being hacked or data being leaked. Major companies like Facebook and Adobe and much smaller local businesses alike have all fallen victim to these cyberattacks, but did you know that cybercrime isn’t business exclusive? Individuals are just as much at risk. Throughout the last decade, we have seen technology become an increasingly larger part of our lives. From attending school to ordering groceries, everything is done online these days. With this increased use of technology, the risk of you falling victim to cyber-attacks increases. In [...]

2021-07-27T13:57:39+00:00June 6th, 2021|

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 [...]

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

Life Insurance: Employer Vs Individual

Your employer is offering you life insurance? That is great! But… Many employers offer life insurance as a benefit to employees. The type of life insurance, amount of coverage, and cost to the employee vary from business to business but for the most part, employer-provided life insurance is a great benefit. It can be cheaper than the cost of purchasing your own policy due to employer group rates and in some cases, employers will cover some or all of the premium costs. Employer-provided life insurance also helps to cover any end-of-life expenses and [...]

2021-07-27T14:51:55+00:00April 18th, 2021|

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 [...]

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

Controlling Road Rage

It has happened to the best of us. You are on your way to the beach house for the week with your closest family and friends and you are cruising along listening to music and having a good time. When BAM you hit traffic that appears to be 10 miles long. It starts to become hot, your daughter has to pee, your son is complaining he is hungry, and all of a sudden someone cuts you off. ROAD RAGE HITS! Now what? You could put your car into park and get [...]

2021-07-27T15:48:27+00:00August 23rd, 2020|

How To File An Insurance Claim in 3 Steps

When accidents happen, one of our first concerns is often how much it could cost you. Depending on the severity of the incident and the amount of damage it led to, this can rack up rather quickly. But this is why you have insurance. Insurance is designed to protect you from financial hardship after an accident and the first step in any situation is to file an insurance claim. Insurance claim? An insurance claim is a formal request to your insurance company to receive money to help cover repairs, medical bills, and [...]

2021-07-27T15:49:52+00:00August 9th, 2020|
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