When most people think about homeowners insurance, they picture coverage for fire, theft, or natural disasters. But there’s a critical piece that often gets overlooked: home liability insurance. This protection can mean the difference between financial security and devastating loss…
As temperatures drop and we all start prepping for the chilly season ahead, homeowners often ask: “What can I do to help prepare my home for winter?” Here are a few high-impact upgrades that not only help your home run…
In an age where artificial intelligence can generate insurance quotes in seconds and comparison websites make it easier than ever to explore coverage options, it’s understandable that many people are asking: Do we still need insurance agents today? It’s a…
A mortgage escrow account is generally meant to make life easier—automatically handling your homeowners insurance payments so you don’t have to think about them every year. For the most part, it works as intended. That said, there are situations where…
Owning an antique car is like keeping a piece of history alive in your garage. These classics aren’t just cars—they’re timeless works of art, symbols of a different era, and valuable investments. Protecting something so unique takes more than regular…
When people think about homeowners insurance, the first thing that comes to mind is the house itself—protecting the walls, the roof, and everything inside. But what about the detached garage, shed, or treehouse in your backyard? That’s where Coverage B…
Imagine driving peacefully down a parkway, enjoying the flow of traffic, when suddenly, without warning, the car ahead slams into reverse and crashes into your vehicle. You’re left shocked, confused, and trying to make sense of what just happened. This…
Contractors Bond Requirements – Changed!! The requirement for a General Contractors Bond has been $12,000 and for a Specialty Contractor $6,000 for….well…. a LONG time. New requirements have been released, let’s dive in! You don’t want to miss this and…
First of all, it’s not just you. Many insurance consumers in the country are all getting the same news….rates went up – significantly, in many cases. Sometimes, tickets/accidents or home claims do play a huge role in those rates and…
What does “hard market” even mean? Why is it impacting you? What in heck is going on?? Let’s start with the concept of a hard market in insurance. In simple terms, a hard market occurs when the insurance industry faces…