Personal Umbrella Insurance Policy: Why do I need it?
When agents approach their clients with the topic of personal umbrella insurance they often hear, “Why do I need it?” Personal umbrella policies are one of the most overlooked and economical ways to protect your current and future assets. Let’s explore why you need it and how it will protect you. Why Umbrella policies protect you in lawsuit situations where large judgments are awarded. In a lawsuit judgment, your home, auto, investments, checking and savings accounts as wel
Replacement Cost vs Actual Cash Value: Insurance Terms to Know
When insuring your home or commercial building, you have a several options. You may hear terms like, Replacement Cost, Actual Cash Value, Market Value or Functional Replacement. While each of these options have their pros and cons, most people will choose either Replacement Cost or Actual Cash Value. So, what do these terms really mean? Let’s take a look so that you can make the best decision when purchasing property coverage. Replacement Cost Many people believe if they bu
Life Insurance? Why do I need it?
Most people do not get excited about life insurance. None of us want to think about our own mortality or that of our loved ones. However, not planning for the future can leave your loved ones unprotected in a most vulnerable time in their lives. Life insurance offers financial protection for you and the ones that depend on you. Why buy? You may be asking, “Why should I buy life insurance.” Here are just a few reasons: To pay Final Expenses – No matter when we pass from th
Start 2017 with an Insurance Checkup!
Many times we buy an insurance policy, make our payments and place it on the shelf, never to be looked at again until it’s time to make a claim. However, insurance policies are not a one size fits all products, and your needs will be different tomorrow than they are today. One of the most overlooked advantages of independent agents is their ability to customize your insurance products with companies that best address your needs. Our lives are ever changing. Meeting with you
Winter is here in full force. Harsh, even mild, winter temperatures can cause frozen pipes and sidewalks. Heavy snowfall and freezing rain can cause roof and guttering damage. It is important to be proactive in this time of year to prevent property damage and liability claims for both Home owners and Business owners. Here are a few areas to be mindful of: [if !supportLists]· [endif]Keep gutters and downspouts clean so melting snow and ice can drain. [if !supportLis