Did You Know? Different Kinds of Water Damage Need Different Insurance Coverage

Did you know that your homeowner’s insurance coverage only covers certain kinds of water damage? Depending on whether water damage is caused by flooding or a water leak, your coverage may not be sufficient. It’s important to know this information before finalizing any homeowner’s insurance policy. Read more

Ensuring Your Teen’s Driving Safety

Teen driving safety is an extremely important topic to discuss with your teenager when he or she is about to reach driving age. Besides the obvious advice to follow all traffic rules and to not drive distracted, there are other important steps to take when it comes to safe driving for your teen. Read more

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Why Human Insurance Agents Can’t Ever Be Replaced By Technology

You may have seen or heard news about how technology is invading the way that we buy any kind of insurance. For example, with life insurance, there’s now talk about an app that uses selfies and powerful facial recognition software called Lapetus that can analyze how well you might age. This information is to be used as a major factor in providing life insurance quotes or could even decide if you will even be approved for life insurance! Read more

Why You Should Have Earthquake Coverage for Your Home or Business

Do you have earthquake coverage (E/Q) with your homeowners or business insurance? Most homeowners and commercial insurance policy holders do NOT have it. But, there are very small tremors daily, and of course there is always a chance of a substantial quake.

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Why It’s Important to Have Flood Insurance for Your Home or Business

Did you know that floods are the number one natural disaster in the United States? Also, did you know that not every homeowner’s or business owner’s insurance policy has flood coverage? It’s important to understand that even in low-risk areas, floods can still happen, and cause thousands of dollars worth of damage to your home or business. It’s scary to see just how water damage adds up. While most homeowners are worried about fire, floods are in fact the greater risk.

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The Benefits and Risks of Using Drones in Construction

Drones are becoming used in all sorts of industries, including real estate and construction. While there are definitely benefits from using drones in many different industries, there are risks to consider, as well. It’s estimated by the FAA that over 7500 small commercial drones will be in use by general contractors and construction tradespeople by 2018. What will they be used for? Many of them will be used for automating inspections, site surveys, and mapping materials. They can also be used for providing live video feeds of the job site to make sure that all workers are working safely and using their fall-prevention equipment properly. Read more

What is Gap Insurance and Why Would You Need It?

When looking around at different car insurance policies, you may have heard of “gap” insurance. What exactly does that mean and why would you need it?  Essentially, what gap insurance does is cover the difference (or gap) between what your car is worth and how much you actually still owe on the car. Read more

What happens to the car in front of a SUV that is texting

This recently happened in our area. Someone was texting while driving and not paying attention. The driver of the offending vehicle did not brake at all, they were on the phone – 100% full impact to this Toyota shown below. The tow truck operator told the victim they were VERY lucky the rear end crumpled like it did or he […]

Are Driverless Cars the Future?

Will driverless cars save lives and insurance premiums? Read more