News

     Insurance has always been a challenge. Lately, though, it has been downright difficult.       If you have read any of our recent articles, you know we have talked about changes insurance companies are making that will affect your coverage and premium. It’s hard to keep up with all the…

Liability insurance is arguably the most affordable and the most important insurance to protect your family and your assets. It is also the coverage you don’t want to have to use, ever. Liability coverage is not coverage that will make payment to YOU. Liability provides protection to other people…

In the insurance business, we frequently need to have some difficult conversations.  The past couple of years, we have discussed the changes in insurance. We’ve talked about ever increasing premiums, valuation increases due to inflation, the increasing number and severity of storms, companies…

Change can be good. Change can be hard. Change isn't always a bad thing. Change is inevitable.  Inflation, storms, and claims are forcing insurance companies to reevaluate their policies, premiums, and deductible options and thus... make changes. The changes that companies are making affect all…

Our country has a strong history of entrepreneurs. We’ve all heard stories about people who started a business in their garage - then expand to an office or building - and then become a multi-million-dollar company franchised across the country. These stories are exciting, but they are the…

Our country has a strong history of entrepreneurs. We’ve all heard stories about people who started a business in their garage - then expand to an office or building - and then become a multi-million-dollar company franchised across the country. These stories are exciting, but they are the…

Replacement cost coverage is designed to help you repair/replace damaged items to make you whole again.  Example:  Your roof is totaled in a hailstorm. If you have replacement cost coverage on your home, then the company will pay to replace your roof, minus your deductible.  No depreciation will…

In short… Liability Insurance protects you financially if you are responsible for damage or injury to others. Liability coverage helps pay for attorney & defense costs, evidence & document gathering, medical payments, property damage, judgements, and settlements. A few claim situations…

You probably noticed that insurance companies automatically increase the coverage on your home and buildings (and some other items) due to inflation. Unfortunately, these inflation adjustments may not be adequate due to the substantial increases in the cost of building materials, steel, and labor…