Safety on the Water & Insuring Solar Panels
So I am not sure about you all, but one thing I did love about the pandemic was being at home and installing our pool! Oh my, at 5:00pm I was floating in our pool with a refreshing drink. Since getting a pool increased my liabilities, I also increased my umbrella policy limits to make […]
Couple’s Insurance & Not All Water Damage is Equal
My youngest who is 36 is getting married in July!! I am so excited for her and her fiancé. They picked the venue, the pastor, the DJ, got her wedding dress, his suit and all the other extras. I am not sure of the total, but needless to say it is a huge investment! Since this […]
Scheduled Items & Protect Your Property While Traveling
April showers bring… May flowers – and warm weather thieves. What does a May flower bring? Pilgrims. Spring Cleaning: Update Scheduled Items Spring is a good time to get your jewelry cleaned and inspected by your jeweler. At the same time, you can also get it reappraised. Once you get an updated appraisal, please […]
Don’t Count on Luck: Preventing Water Damage & Distracted Driving
There are two major risks that we can have a big impact on: water damage and distracted driving. On Christmas day, I was out of town and did not know how cold it was back home. I received a text from a friend and client who was wishing me a Merry Christmas and they sent […]
A Claim is a Claim, No Matter How Small
I recently had a client ask me if it matters if a claim is vandalism versus hail or wind. They wanted to know if it would make a difference in how it affects future policy premiums. The answer is no, a claim is counted as a claim no matter the amount. However, if a large […]
Insurance Credit Scores & Benefits of Using an Independent Insurance Agent
What is an Insurance Credit Score? Insurance companies use insurance credit scores to determine your risk as a policyholder. It is considered a “soft pull.” If you have a high score, you are considered less likely to turn in a claim. However, if you have a lower score, you are considered more likely to turn […]
When It Comes to Water Damage, None of This is Important. Or is It?
That’s the thing about insurance, it’s never really important until you need it. I speak from personal experience, after recently discovering a mold situation in our home. Instantly my insurance became extremely important to me! I needed immediate mold remediation and I wanted it with minimal disruption to our lives. Although we never had any […]
Should I Get Wedding Insurance?
Wedding insurance isn’t on most people’s radar, even for an insurance agent like myself. However, a recently engaged friend called me up to ask for advice. She wanted to know whether or not to purchase a wedding protection policy. Given the disruption of the past two years, and that we’re heading into wedding season, I’d […]