July 12, 2025
AgencyHow Traffic Violations Impact Your Auto Insurance
Your driving record significantly affects how your auto insurance premiums are calculated. While many drivers focus on coverage options and deductibles, the impact of traffic violations is often underestimated. The Link Between Violations and Premiums Auto insurance companies use a variety of factors to determine your premium, and your driving history is one of the […]
June 28, 2025
AgencyHow to Ensure You Have Adequate Coverage in Your Home Insurance Policy
A standard home insurance policy may check the right boxes on paper, but that doesn’t always mean it’s the right fit for your actual needs. If something were to happen to your home or belongings, the last thing you want to discover is that your coverage falls short. Here are a few key areas to […]
May 29, 2025
AgencyAuto Insurance Bodily Injury Liability
You may think of auto insurance as a means to financially protect your own vehicle. However, there are many times when the right policy can make all the difference in limiting fiscal consequences related to other parties’ losses and damages. That’s because third-party liability coverage can help offset financial harm you inflict on others due […]
April 19, 2025
AgencyWhat Home Insurance Covers
Some homeowners believe their policy covers everything, but there are often limitations and exclusions to be aware of. Understanding what homeowners insurance may cover helps you financially prepare for unexpected events and prevents surprises during a claim. What Does Homeowners Insurance Cover? Homeowners insurance may provide financial assistance following perils like burglary, fire, lightning, […]
March 19, 2025
AgencyHow to Report a Car Accident to Your Insurance Provider
Being in a car accident can be stressful, but knowing how to report it to your insurance provider can make the process smoother. Prompt reporting helps speed up claims processing and may reduce potential complications. When Should I Report an Accident to My Insurance Provider? It’s best to report an accident as soon as […]
February 25, 2025
AgencyThe Risks of Low Liability Coverage in Major Auto Accidents
Auto insurance is a critical component of financial planning for any vehicle owner. While it can provide financial protection in the event of an accident, the level of coverage you choose can significantly impact your financial stability. Understanding Liability Coverage Liability insurance can help cover the costs of damages and injuries you may cause to […]
January 29, 2025
AgencyHow to Read And Understand Your Auto Insurance Policy
Knowing your auto insurance policy details is essential to ensure you have the right coverage when it matters most. Here are the key components of an auto insurance policy. Declarations Page This section provides a summary of your policy, including your personal information, vehicle details, coverage types, policy limits and deductibles. It’s essential to review […]
December 25, 2024
AgencyHow Home Insurance Helps Protect Your Home
Your home may be the most valuable investment you ever make. Don’t risk its security by leaving it exposed to risk. Make sure you understand the benefits of suitable home insurance. What Is Home Insurance? A typical home insurance policy has various coverages designed to protect your home and assets financially. These may vary by […]
November 26, 2024
AgencyHow to Practice Safe Driving
Practicing safe driving can lead to lower premiums and fewer claims for insurance consumers. The following are some essential tips to help you drive safely and responsibly: Maintain focus. Distracted driving is a leading cause of accidents, so keeping your attention on the road is essential. Avoid using your phone, eating or engaging in any […]
January 19, 2024
AgencyWhy You Should Work With an Independent Insurance Agency
Sometimes, you might see advertisements for cheap auto insurance that offers fast, easy enrollment online without the hassle of talking to a pushy salesperson. This might sound like it’s a simple, practical way to get the auto insurance you need as efficiently as possible. However, is it really a wise step to take? Should you […]