Your roof is the first line of defense against a disaster striking your home. Many homeowners have been pushing their roof’s age to the limit. Some homeowners are trying to use their insurance policies to perform basic maintenance on their home. Aging roofs impact more than just one family’s insurance policy – it can affect […]
Read MoreSurviving Current Insurance Trends
As many of you may know, all of us are noticing a considerable increase in insurance rates this year. Not only that, but with firmer underwriting restrictions on driving records and property coverage, we would like to give you some guidance on surviving these current insurance trends. Soft Market vs. Hard Market Like everything, the […]
Read MoreWhy Are Insurance Rates Increasing So Much?
We continue to get questions regarding insurance rates increasing, and instead of avoiding the question, we thought we’d address it. Keep in mind this important fact, insurance companies must have their rates approved by the state insurance commissioner. This means for any rate increase; it must be justified and approved. Contrary to popular belief, insurance […]
Read MoreInsurance for your New Jewelry
Did you get something expensive for the holidays or for Valentine’s Day? If you received jewelry for the holiday or Valentine’s Day, it is important to give your insurance agent a call. This will ensure that your new valuables are properly covered, with the correct jewelry insurance policy. The best time to call your insurance […]
Read MoreDocuments You Should Keep In Your Car
Your car’s glovebox isn’t just a great spot to keep snacks or extra napkins, it’s also a handy spot to keep your important documents. You never know when you might be pulled for a routine traffic stop or get into an accident with another driver, so it is important to keep the following documents in […]
Read MoreNew School Year – New Teen Drivers
Learning to drive is a very exciting and terrifying moment for teenagers, and soon the roads will be filled with new teen drivers. Many teens can’t wait for the open road, the windows rolled down and the music blasting, but before they get to the point of burning rubber, there are few hoops they will […]
Read MoreReplacement Cost v. Market Value: What’s The Difference?
Question: What affects the cost of your insurance policy: your home’s market value or replacement cost? Answer: Replacement cost. What Is Replacement Cost? Many people think that home insurance should match their loan amount or what the real estate market deems their home worth. If your home was destroyed, your home insurance coverage should be […]
Read MoreWhat You Need To Know About Home-Sharing & Your Insurance
There are about four million homeowners that are part of the home-sharing community of Airbnb. If you are one of these homeowners, renting your home or other property for any length of time, you need to make sure you are protected properly. When you talk to an independent insurance agent, like R.C. Keller & Company, […]
Read MorePlan Your Next Road Trip Vacation
Summer is upon us and if you are planning a trip, a little advance planning can go a long way toward making your vacation safe and fun for everyone involved. Having the right auto insurance can help you stress less too. Here are some tips to keep you organized and prepared for whatever may come […]
Read MoreGrilling Season Safety Tips
While grilling can be a year-round activity, grill usage – as well as grilling accidents and fires – spike in the summer months, especially around the summer holidays, Memorial Day, Father’s Day, 4th of July and Labor Day. We would like to go over some of the dangers of grilling, causes of grill fires and […]
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