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Our economy hasn’t been great since the pandemic and with the increasing cost of living, everything from groceries to insurance now costs more. We take pride in providing cost-effective solutions for our clients. Especially during these times. Here are our top 3 ways that we’re providing increased solutions for every client.
Increasing our communication: We’re dedicated to staying…
You go to the store to buy some food for your dog. You get there and realize there are so many options. You’re not sure how to choose the one that’s best for your pet. We get it. It can be confusing. Keeping your pet as healthy as possible to avoid vet visits is the goal for all of us. Choosing a good pet food contributes to the overall health of your pet. While we always suggest having an insurance policy for your pet, it’s better to not have any unwanted emergencies pop up. Here are some of our tips on how to choose quality food for your pet to keep them as healthy and fit as possible.
Read MoreIt’s the most wonderful time of the year! The holiday season can be an enjoyable time catching up with loved ones but it’s also the time of year when it can be the most dangerous on the roads. That said, it’s never a good idea to drive after having too much holiday cheer (wink wink), no matter how many you have had. Here are some tips to stay safe on the roads during this season.
Read MoreWe all know that when we move we have to let our insurance companies know and see how that will affect our rates. But, have you ever stopped to wonder why this is? Well, we’re going to break it down for you a little here. Let’s first look at homeowner’s insurance policies.
Homeowners: This can vary state by state due to how prone your area is to natural disasters and environmental risks. For example, if you live in Kansas versus New Jersey you will have to get a policy that specifically covers this type of high-risk disaster. Here are some things that will affect how much your homeowner’s coverage costs.
Read MoreNow that you understand how insurance can help protect your assets and how to file a claim, what are the steps involved if something does go wrong? How do these insurance claims work? Each type of insurance will have a slightly different process but there are several similarities across the board. In a nutshell, you’re filing the claim to get compensation to cover the losses involved. It’s important to note here that if you haven’t met your deductible throughout the year, you will be required to pay that first. It’s crucial to know what your deductible is as you want to make sure that damages are over that number.
Read MoreWe all know that your age, driving experience, and claim history all affect your car insurance. But what about your credit and does it just affect your auto policy? Well, in short, the answer is no. It can affect your homeowner’s insurance and life insurance rates as well. Statistics show that someone with higher credit scores is more likely to pay their premiums on time and less likely to file claims. Good credit is something that insurance companies are looking for when assessing someone’s policy costs. However, these insurance credit scores work somewhat differently than FICO credit scores.
Read MoreLife insurance can seem mysterious to a lot of people. How does it work? What do these strange terms mean? While we’re not going to write an extensive article on exactly what each policy type is and what every term definition is, we will give you a quick top terms to understand. Here are a few:
Beneficiary: the recipient of a life insurance policy’s death benefit. Can be one person or several. It can also be an organization. Usually the main reason people buy coverage is to cover family when they’re gone. The beneficiary must file a claim in order to receive the benefit.
We came across a really good article today that talked about smart devices that will upgrade your home. Some were to increase security, such as video camera door bells and others were things that monitor your water. This got us thinking that we should write something about home improvements that will increase your home’s value while also lowering your homeowner’s insurance premium. Here are some ways to do just that!
Upgrade Security: installing a security system increase your overall home security. The size of the discount is based on the quality of the system.
Flooding is the most common type of natural disaster. Climate change is increasing the intensity of storm surges. It has directly affected the rainfall and snowmelt levels across the globe, according to the Intergovernmental Panel on Climate Change. Let’s take a look at why climate change can increase flooding potential.
Heavier precipitation:
Has occurred as a result of warmer atmospheres.
Storms will also generate 27% water than they did 100 years ago.
Summertime is officially here today with the heat getting up to the nineties! We know a lot of you have golf carts “down the shore” to get around with ease from your summer home to the beaches. We’re right there with you. It’s especially important to understand why you need golf cart insurance if you’re driving on the roads and what it covers. Here are some things that golf cart insurance covers.
Read MoreSummer time is here and with that means shore time. For those of you that are thinking of purchasing a boat here are some tips to choose the right type for your needs.
Read MoreThe big question of whether renting or buying is better has been at the forefront of everyone’s mind these past few years. There is no easy answer. It depends on your personal goals. Rent and mortgage interest rates have been climbing since the pandemic so there are some considerations and questions you need to ask yourself to determine which on is right for you. There are three things to consider when considering and those are financial, lifestyle and personal goals.
Some interesting auto insurance stats from this year so far. Always important to stay up to date with what’s going on in the industry.
1 in 8 drivers is uninsured
Hurricane season on the Atlantic is June through November every year. This year is expected to be mild if El Niño comes through, but that hasn’t been confirmed just yet. So, it’s better to be prepared. Here are some quick tips for hurricane preparedness.
Read MoreLooking for a new car? It’s always fun to shop for a new vehicle when the time comes. However, if you’re keeping your insurance rates in mind there are a few things to consider when purchasing. Here are some tips to help you decide which vehicle is the right one for you and keep your insurance premium down.
Read MoreNot only does life insurance protect your loved ones in the unforeseen event of death, it can create generational wealth where there was none. Here are just a few ways that life insurance can help your family for generations to come.
Cover estate taxes
When we all think of insurance it’s usually those big name companies that come to mind, such as Progressive or Allstate. These larger companies saturate the market and yes, they can be very reliable with years of experience under their belts. However, that doesn’t mean that they will be the best option for you and your insurance needs. This is where someone like us comes in. One of the benefits of working with an independent insurance agency like us is that we shop many insurance companies to find the best policy fit for you and your family. Aside from this, there are other benefits to hiring an insurance agent for your insurance needs.
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