Insurance FAQ’s: What is the difference between Guaranteed Replacement Cost vs Extended or Limited Replacement Cost Coverage for Homeowners Insurance? In simple terms, replacement cost coverage gives you coverage for your home or property to be rebuilt or replaced like…
Insurance FAQ’s: What is the difference between claims made and occurance coverage? The vast majority of business liability policies that we see are written on an “occurrence” basis. However, some of the specialty policies we write, such as Professional Liability…
Insurance FAQ’s: What is an Accelerated Death Benefit? If you’ve been researching life insurance, you might have come across the acronymn “ADB”. ADB stands for Accelerated Death Benefit. Here’s what it is and why it’s important. Accelerated Death Benefit The…
Shopping for insurance isn’t everyone’s favorite thing to do. We get it. But we also know that protecting what is important to you (your family, your possessions, your business, your home), is serious stuff. We promise that if you put…
Insurance FAQ’s: How Do I Choose An Insurance Agent? Finding an agent that you can trust, that has a high level of insurance expertise and that truly has your best interests in mind can sometimes feel like a challenge in…
Insurance FAQ’s: Why do I need a personal umbrella policy? There are many reasons to buy a personal umbrella insurance policy. But first, you really need to understand what an umbrella insurance policy does. Think about an umbrella. What does…
Insurance FAQ’s: Why does auto insurance cost go up as a vehicle ages? Many people get frustrated when their auto insurance costs continue to increase even as their vehicle ages. The thinking is that as the vehicle gets older, its…
Insurance FAQ’s: What’s the difference between Replacement Cost and Actual Cash Value? If you are researching homeowners insurance, there’s a good chance you’ve run across the terms “Replacement Cost” and “Actual Cash Value” when deciding what type of coverage you…
Insurance FAQ’s: Should my partner and I combine our auto insurance policies? Once in a while we hear from couples (married or not) who want to keep their auto insurance policies separate for various reasons. However, as insurance advisors who…
Insurance FAQ’s: Does my small business need liability insurance? As a small business owner, you’ve worked to build your company from the ground up. You’ve expanded, taken on new clients and offered new products or services. As your business grows, the…
