Personal
Who Needs Builder’s Risk Insurance?
The home building and remodeling world is booming right now, with tons of people fixing up older houses or building brand-new dream homes. Big projects like adding extra rooms or upgrading a house take time, expensive materials, and hard work. But construction sites can also be risky, and standard house insurance usually won’t pay for…
Read MoreWhat is Umbrella Insurance?
Imagine you are driving home on a rainy Tuesday evening. You glance down for a split second, traffic suddenly stops, and you rear-end the car in front of you. It triggers a multi-car accident. Two people are seriously injured, requiring extensive surgeries and months of missed work. Within weeks, the medical bills and legal demands…
Read MoreProtecting What’s Underground: A Guide to Service Line Coverage
When you think about home maintenance, you probably picture leaky faucets, roof repairs, or maybe a furnace tune-up. But there is a massive network of infrastructure buried right beneath your lawn that most homeowners completely forget—until it breaks. Service Line Coverage is an increasingly popular endorsement (an optional add-on in most cases) to a standard…
Read MoreThere Are Many Reasons for Life Insurance
Life Insurance may seem like a topic that only comes up after big life events, such as marriage, the birth of a child, or the purchase of a home. But there are many reasons someone may want to consider it, both obvious and less obvious. Thinking through these reasons can help you decide if Life…
Read MoreWhy Insurance Rates Have Risen
Insurance has become more expensive over the past year, and many people are asking the same question: Why? While there are several factors, one of the most important is the severity of claims and the continued impact of catastrophic, or CAT, losses. These events affect the entire system, even if you personally have not experienced…
Read MoreReviewing Your RV and Camper Coverage Before Hitting the Road
School is out soon, if not already, and Summer is right around the corner. For many families, it is the beginning of the camping season. A time to connect with nature and enjoy the outdoors. If a trip or two is in your plans, here are some lesser-known but important things about insuring your camper…
Read MoreThe Advantages of Working with an Independent Insurance Agency
When buying insurance, customers often choose between an independent insurance agency such as ours, a captive agent representing a single insurance company, or a direct writer where you have no agent. While each option has merits, an independent insurance agency offers a significant advantage: access to competitive quotes from many top-rated insurance companies. This flexibility…
Read MoreUseful Advice to Avoid Fire and Water Damage
Being in the insurance industry allows us to empathize with the impact disasters can have on families emotionally and financially. It’s something we witness firsthand all too often. While insurance provides financial support for recovery after a loss occurs, taking steps to avoid such situations altogether is even more beneficial. Preventing harm to your home…
Read MoreInsuring a Barndominium
Barndominium structures or “Barndos” are a type of building that integrates living areas with spacious open spaces commonly utilized as workshops or garages and sometimes even as stables. From their initial roots as barn conversions into residential spaces to the present trend of constructing barndominium homes from scratch, they have gained traction mainly due to…
Read MoreArtificial Intelligence is becoming increasingly tricky – How to protect your family and business.
The internet has become a part of our daily lives serving various purposes such as banking, shopping, staying connected with loved ones and safeguarding personal information. As artificial intelligence advances, distinguishing between legitimate requests and fraudulent activities from cybercriminals is increasingly challenging. Incidents like data breaches, identity theft and online scams have unfortunately become all…
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