Owning a lake house is a dream for many people—whether it’s a quiet retreat for weekends or a full-time getaway, it’s a place to relax, unwind, and create memories. However, owning a property on the water comes with its own…
Who needs flood insurance? If you live in an area where it rains, the importance of flood insurance cannot be overstated. Even if you believe your home is safe from flooding, just one inch of floodwater can inflict approximately $25,000…
Switching homeowners insurance can feel overwhelming, especially when you’re paying through escrow – but it is really not too complicated. Whether you’re looking for better rates or improved coverage, it’s important to understand the process. Here are five key things…
How the rising vehicle repair costs increases your auto insurance. The cost of labor and materials has increased dramatically in the last five years due to inflation. This affects your insurance price because if you were to have an auto…
How the rising costs of home repairs increases your homeowners insurance. The cost of labor and construction materials has increased dramatically in the last five years due to inflation. This affects your insurance price because if you were to have…
When it comes to your insurance, understanding the difference between split and combined limits is crucial. Split insurance limits refer to when coverage is divided into separate limits for different types of losses or damages. Combined insurance limits genreally combine…
After you purchase a new insurance policy, renew a policy or add an insurance endorsement, we always want you to check your declaration pages (dec pages). But how exactly do you do that? Understanding your dec pages is crucial for…
Letting your insurance lapse (especially now) is NEVER a good idea. Insurance is something that we often take for granted, until we find ourselves in a situation where we desperately need it. Letting your insurance lapse can have dire consequences…
If you’re curious why the replacement cost of your home from the insurance company is different than what you paid for your house, we have the answer for you. Here’s the difference between replacement cost and market value when it…
In full transparency, we are currently in one of the hardest insurance markets that we’ve ever seen. And unfortunately things are not changing any time soon. We know It can be frustrating to open up your insurance bill and see that…
