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…
Wondering what to do if you have a claim? We’re here to help! Unfortunately accidents happen. If you’ve made the decision to file a claim, here are some steps to walk you through some of the most common types of…
Here’s a question we are commonly asked by our clients: “Should I file a claim or pay out of pocket?” In most cases, this answer to the question, “should I file a claim or pay out of pocket” is pretty…
Insurance FAQ’s: What is underground service line coverage? Water, gas and electric lines all run under your home. Did you know…homeowners are legally responsible for maintaining service lines from their home to the property line? If you experience any damage…
Insurance FAQ’s: What is emergency roadside coverage? Emergency roadside service is an optional coverage that you can add on to your auto insurance policy. In the case of an unlucky breakdown with your car, emergency roadside service coverage can save the day.…
Insurance FAQ’s: Does my business insurance cover my employees when they are driving their personal car for work? Imagine: One of your employees is driving their personal car during work hours, running errands as part of their job. They get…