What to Do Before Filing a Home Claim

I got a phone call from a client recently who was standing in his living room bailing water. He had gone out of town the day before and came home to several inches of water throughout his house. Basically, everyone’s…

Insurance for Investment Properties

When an investor is purchasing a property with the intention of leasing it out for long-term rental income, what type of investment insurance policy do they need? The answer, of course, is it depends! The three most common policy types…

Can I Bundle My Policies?

There are many unique features to working with an independent insurance agency, including being able to bundle your policies. We shop with a large volume of carriers. Many times it is better to use different carriers for home and auto.…

Uninsured Motorist Coverage

Why do you need Uninsured/Underinsured bodily injury and property coverage on your auto policy? Uninsured/Underinsured coverage provides coverage for you when you are hit by someone who doesn’t have insurance or doesn’t have high enough limits to cover the amount…

What is Extended Replacement Cost Coverage?

Extended replacement cost coverage is an endorsement that will help cover the cost of rebuilding your house if the cost goes over your ‘limit’. So let’s say your Coverage A, your dwelling coverage, is $250,000. If your house is completely…

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