August 24, 2022
AgencyHomeowners insurance vs. landlord insurance for a rental property
Suppose you want to turn a house you own into a full-time rental property. What kind of insurance do you need to help protect your place when renters live there? You most likely need a landlord policy. But if you plan to have tenants only occasionally, homeowners insurance may be a better fit. Here are some factors to […]
August 19, 2022
AgencyWhat Happens if Two People Involved in an Accident Have the Same Insurer?
When an accident occurs, it is often customary to contact an insurance agent. But what happens when two people in an accident have the same insurance company? Well, it’s often handled the same but with a few minor adjustments. In the end, it usually falls under who is to blame to pay for damages regardless […]
June 22, 2022
AgencyDoes your small business need general liability insurance?
Even if these don’t apply to you, small businesses that work directly with clients and customers usually benefit from commercial general liability insurance, also known as a CGL policy. This insurance policy can keep your company financially stable if you’re sued by a customer or competitor. Because general liability insurance provides important coverage, most small business […]
June 9, 2022
AgencyWhat are the Most Common Problems for Airbnb Hosts ?
When you open your home to guests, you hope that like you, they show your property the same respect you do. That’s not always what happens though, below are some of the “risks” you run as an Airbnb hosts: Vandalism – whether the result of an unauthorized party or the actions of an individual guest, […]
May 31, 2022
AgencyHow often should you change your life insurance policy?
Purchasing a life insurance policy may help protect your family’s financial future if you pass away. While long-term planning is important, a life insurance policy you bought five years ago may no longer offer the right amount of benefits for your current situation. That’s why you should reassess your needs once a year. You should also […]
May 19, 2022
AgencyWhat happens if someone drives my car and they get in an accident?
Contrary to popular belief, your car insurance will usually follows the car, not the driver of the car . If you let someone else drive your car and they happen to get into an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy. The claim would […]
May 12, 2022
AgencyDo I need Renter’s Insurance?
Renters insurance isn’t legally required, but a landlord can require tenants to have a renters policy. Many landlords want tenants to be insured to help avoid disputes if their belongings are damaged while on the property How would this policy help you, you might be asking?.. While your landlord’s insurance may help pay to repair […]
May 5, 2022
AgencyDoes A Stay-At-Home Parent Need Life Insurance?
Parent. Its official definition actually should be, “Caretaker of child. Synonyms: nanny, tutor, coach, nurse, therapist, chef . . . ” And the list goes on and on for pages. This definition especially applies to a stay-at-home parent (SAHP). While SAHPs may not pull down a seven-figure income from an office, they do however provide A LOT of valuable […]
April 27, 2022
AgencyEngagement And Wedding Ring Insurance Options
Getting engaged can be one of the most memorable times of a couple’s life. Having a burglar break into your home and steal the engagement ring, however, can be devastating. The good news is that with a little advance planning, your homeowners or renters insurance policy may help cover the cost of a stolen engagement ring or wedding ring, […]
April 14, 2022
AgencyDoes Renters Insurance Cover Your Laptop, Tablet Or Phone?
Your renter’s insurance policy may help pay to repair or replace personal handheld electronics, including a laptop, smartphone, tablet or personal computer, if they are stolen or damaged by certain causes. The personal property coverage in a renter’s insurance policy typically helps cover your personal belongings if they are damaged or destroyed by a covered […]