Motorcycle Insurance Cost: What Factors Apply?

27 December 2022
Categories: Insurance, Blog

When you call for a quote for motorcycle insurance, it can be difficult to understand the factors that drive the rates you receive. You might wonder what factors affect the cost of that insurance. There are a few key elements to consider that can affect the premiums of your motorcycle insurance policy. How Long Have You Been Licensed? If you have just recently received your motorcycle endorsement on your driver's license, you will find that your quoted premiums will be higher than those of a more experienced motorcycle operator. Read More

Why An Insurance Adjuster May Recommend Rebuilding Your Home After A House Fire

11 November 2022
Categories: Insurance, Blog

Did you recently suffer a house fire that will require major repairs? While the goal of your insurance company is to repair your home to put it back to exactly how it once was, that may not always be the case. The insurance adjuster may actually recommend tearing down your home and rebuilding it from the ground up in some situations. Here is why this could happen after a house fire. Read More

Worried About Civil Unrest In Your Area? 5 Home Insurance Tips

13 October 2022
Categories: Insurance, Blog

While most emergencies that involve your homeowners' insurance are natural disasters and similarly uncontrollable events, sometimes the problem is a civil disturbance. Whether it's protestors, sports celebrating that goes too far, or looting after another disaster, civil unrest can be damaging and traumatizing. But what should you know about using your home insurance for a civil unrest-related emergency? Here are a few key tips for any homeowner. 1. Protect Life and Health Read More

Understanding Excess and Surplus Line Insurance

23 August 2022
Categories: Insurance, Blog

Insurance companies use risk statistics to determine the policies to sell and their respective premiums. An insurance company will only sell coverage if risk analysis shows that the carrier shows that the coverage is financially viable. Thus, you might be out of luck if you need insurance coverage for a risk that standard insurance companies don't want to touch. That is where excess and surplus line insurance comes in. The Meaning Read More

3 Tips To Audit Your Home Insurance Policy

13 July 2022
Categories: Insurance, Blog

Stepping back and taking stock of your finances is a great way to save money and ensure that you're on a path to a healthy and bright financial future. There are plenty of ways to audit your household budget, but looking at your home insurance policy is one easy way to save money. Closely examining your current coverage can reveal gaps you need to address or areas where you may be overspending. Read More

Homeowners Insurance Value: How To Determine Your Coverage

About Me

When I bought my first house, I was completely unprepared for the insurance process. I had no idea how much went into determining the value of the house and the contents. I spent a lot of time talking with my insurance agent about it and then did some research on my own to ensure that I valued my belongings properly. If you're getting ready to buy homeowners insurance for the first time, I hope the information here helps you to understand the process. When you can evaluate your belongings appropriately, you're far less likely to suffer a loss that you can't replace.