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Insurance Score

There are a myriad of elements that play into the price you pay for insurance. Some are obvious. Your driving record and claims experience are well-known variables. Lesser-known, but equally (if not more) important, is your Insurance Score (IFS). An IFS is derived from your credit score. In short, if your IFS is good, you […]

Agency Standards

Let’s face it – insurance is complicated. If purchasing coverage was strictly a matter of finding the lowest price for basic arrangements, a trip to the online insurance store (insert GEICO, Progressive or SafeAuto here) would be all you need. Unfortunately and all too often, you get what you pay for with this impersonal approach. […]

Water, Water EVERYWHERE…

All homeowner policies cover damage caused by water escaping from a plumbing or heating device. Ground water, however, is usually excluded under standard homeowner policies. Let’s look at a couple of ways coverage can be secured for ground water damage: Flood Insurance Flood insurance is a program for providing coverage for some types of ground […]

Inconvenience vs. Tragedy

Many consumers will focus on the bottom line rather than the importance of the coverage contained in the policy. When exploring alternatives for reducing your premium burden, always examine the route that represents an inconvenience rather than the option that can never be overcome. For example, low deductibles on your auto policy may seem like […]

Misplaced Allegiance

I’m always surprised by the difficulty in successfully communicating with our clients. Even with a multitude of platforms for disseminating information (mail, email and telephone), most contact efforts go unanswered. Insurance products and procedures are ever-changing. It may not seem right, but insurance carriers generally make better coverage and rates available to new applicants as […]

Caveat Emptor

As consumers, we find ourselves caught in the crossfire of advertisers. We are pulled and pushed in different directions. It’s easy to give up and take the course of least resistance. When it comes to insurance, this might mean staying the course with your present arrangements or relying on a phone call or email as […]