You own a home and consequently have a homeowners insurance policy. This is the minimum amount of coverage you should have for this important asset. Equipment breakdown coverage is an additional, inexpensive endorsement that is meant to cover household appliances that stop working in a case of electrical or mechanical failure. A standard homeowners policy […]
Read MoreKickstart Your Home Fitness Routine
With the events of the last several months, managing stress and anxiety may be an essential part of your life at the moment. One way you can keep your stress levels low is to make sure you remain active. Does this sound familiar? You want to be in better shape but getting started on a […]
Read MoreOperating Your Business During COVID-19
In today’s crazy world we are seeing so much more cyber hacks and all types of Cyber crime. The endorsements added to most business policies just aren’t enough to cover the exposures and the limits any more. As a result, we are recommending to all of our commercial clients that they seriously look at a […]
Read MoreAre Auto Insurance Carriers Giving Refunds Due To COVID-19?
You have heard the rumors that auto insurance companies are giving refunds because of our current COVID-19 pandemic. Insurance companies are offering refunds because most of us are using our vehicles less during the state mandated shelter in place orders. Most companies are referring to them as their Shelter In Place Rebate. This make sense; […]
Read MoreA Message to Our Loyal Customers from Owner, Bob Keller
Hi there, We wanted to give you an update of what is happening on the insurance side of things for the COVID-19, better known as the Coronavirus. Many are asking if Business Income or Business Interruption Coverage would cover a loss of business due to the Coronavirus. The short answer is “no”. In order for […]
Read MoreWhy Don’t You Have Life Insurance?
What is the real reason holding you back from purchasing life insurance? Are you like most Americans who don’t have it, but say they know they need it? A study from Life Happens and LIMRA shows that while 85 percent of the study respondents agree that most people need life insurance, only 59 percent say […]
Read MoreBrain Injury Awareness in Sports
The Brain Injury Association of America (BIAA) has proudly led the nation in observing Brain Injury Awareness Month by conducting an awareness campaign in March of each year. Coaches of every school athletic team and every extracurricular athletic activity should be trained to recognize the signs and symptoms of brain injury, says the BIAA. This […]
Read MoreFive Ways to Manage Commercial Property Risks
While you are on the hunt for a new space for your business, finding the right space requires the close consideration of several factors, like neighborhood, traffic, safety and compliance concerns. When you are going over your options, keep in mind that certain qualities of a particular space may increase your risk and impact […]
Read MoreWill a Homeowners Insurance Claim Negatively Affect You?
Before making a claim, you should call your insurance agent. Being a homeowner, you know there are things that may breakdown or get damaged. There is a difference between regular maintenance and needing to file a homeowners insurance claim. Filing a homeowners claim can negatively affect you and may even lead to a non-renewal of […]
Read MoreDifference Between Actual Cash Value and Replacement Cost
The insurance industry can be tough to understand, that is why you must hold an insurance license to sell it. For consumers, understanding a few key terms will allow you to pick the coverages that are right for you and your situation. This starts with identifying the difference between actual cash value (ACV) and replacement […]
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