Category Personal Lines FAQ’s

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…

The basic parts of a standard homeowners insurance policy are somewhat similar from one company to another, which leads people to think that they are all pretty much the same. That is not the case. Beyond the basic coverages, there…

Nothing will shock a jolt to your system quite like hitting a deer. You feel horrible, there’s damage to your vehicle and let’s face it…it’s a scary experience. Here’s what to do if you hit a deer.  Move your car…

I’m buying a new car. What do I need to do about my auto insurance? Congratulations on your big purchase! Here’s what you need to know about your car insurance after you purchase your brand new (or new to you!)…