Did you know that damage to your house’s service lines is not typically covered by homeowners insurance? This includes: Water lines Sewer Electric Natural Gas Cable TV Internet Fiber Optics And Others While these items are buried, and you might not think they are susceptible to damage, you would be wrong. Damage to underground service…

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Every year, many home and business owners discover there are certain disasters their policies do not cover. It is important to consider these issues before they happen and cause damage that will have to be paid for out of pocket. Earthquakes, floods, and acts of terrorism are three types of disasters that a policy will…

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Many businesses do not understand just how important cyber insurance is or why they need it. Businesses that keep large amounts of personal data, corporate data, trade secrets, and other protected information are the most common targets for cyber thieves. What Does Cyber Insurance Cover? There are several inclusions in a cyber insurance policy. Any…

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Thousands of people are injured or killed every winter because of overconfidence or unpreparedness while driving in dangerous conditions. It is important for everyone to keep safety tips in mind while driving in wintry conditions. The first step is making sure a vehicle is equipped. To do this, use the following tips:   Make sure…

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Excluded Coverages should be Addressed before a Catastrophic Event Occurs We might think of Missouri before Kansas when considering the risk of an earthquake. However, Kansas has recorded 94 earthquakes to date in 2014 (Insurance Journal). This is significant to property owners because basic (ie. unendorsed) property policies exclude earthquake coverage. Because insurance policies often…

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Safe driving is a must when deer are plentiful. During fall and spring, deer are much more common to see on the roads. This is due to fall breeding and plentiful food during the spring months. These animals are most active around sunrise and sunset, which are both times when it is especially difficult to…

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Vacant buildings are common products of a slow economy. Researchers say that recent statistics only show about a one percent decrease in vacant buildings in recent years. If buildings do not have any personal property or occupants in them, they are more likely to face several types of problems. Every year, there are over 30,000…

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One important bit of advice to remember is that if thunder is audible and lightning is visible, it is time to take cover. Failing to do so could be a deadly mistake. There are many people who enjoy thunderstorms, and some people are fascinated by watching the bright flashes of lightning flicker across the sky…

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“Of course you would say that. You’re an agent.” Growing consumer confidence in the Independent Agency system proves this point, as Independent Agency market share of personal auto insurance continues to show growth. Despite massive Television and internet advertising campaigns that lend familiarity to a number of national insurance companies and drives consumers to “get…

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24/7 online quoting offers consumers unprecedented convenience.  However, treating insurance like a commodity can be dangerous.  Consider a medical world where one could research his or her symptoms, prescribe one’s own prescriptions and be both doctor and pharmacist.  Disregard for the value of such occupational expertise poses serious risks.  Purchasing insurance online may not put…

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