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 […]
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Surviving 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 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 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 […]
Read MoreHome Insurance Policy Reviews
Insurance is important, so it should not be one of those things you set and forget. Reviewing your insurance policies can be overwhelming if you don’t know where to start. While the best course of action is to have a conversation with your insurance agent, we wanted to provide a few high-level examples of what […]
Read MoreTips For Hiring a Nanny
Making sure you have a nanny or au pair that is right for your family is essential for peace of mind for everyone’s safety. Here are some tips to help you shift through the nanny candidates for your family: Write up a job description When you first realize your family will need childcare support, you […]
Read MoreSolar Panels and Home Insurance
The demand for clean and renewable energy is growing rapidly. There are more installation and financing options available for solar panels, homeowners are seeking environmentally and economically ways to power their homes. Before taxes an installed rooftop solar energy system can cost between $15,000 and $25,000, according to Center for Sustainable Energy. Being able to […]
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