June 18, 2021
Agency3 Busted Myths About Life Insurance
With so many insurance providers offering so many types of life insurance policies, it’s no surprise that rumors spread. Many people think life insurance is too expensive or that its coverage is too limited. The best way to bust all of the myths is to talk to an agent who can walk you through the […]
May 25, 2021
AgencyComparing Urban, Suburban and Rural Home Insurance Needs
Home insurance companies determine rates based on a wide range of factors. But you will notice that urban, suburban and rural homes vary dramatically when it comes to the premiums paid. Here are some of the factors that make up the difference between a typical urban, suburban and rural home: Proximity to fire departments. Rural homes […]
March 9, 2021
AgencyWhy You Should Raise Your Auto Insurance Limits
In order to operate a vehicle, an individual must carry insurance in an overwhelming majority of states. In addition, many states also outline coverage limits that drivers must include within their policy. While meeting these minimum limits may be enough to get you on the road, they may be inadequate if you are involved in […]
February 26, 2021
AgencyCalculating Life Insurance Premiums
When applying for life insurance, you will be asked to provide information about your medical history and take a physical examination. If you are not completely truthful about your medical history, you may lose your policy or, when you die, your dependents may be denied benefits. Therefore, it is imperative that you tell the truth […]
January 27, 2021
AgencyWhat Percentage Should You Carry in Home Insurance?
There are many somewhat hidden rules when it comes to home insurance, especially with how much you should carry. One of these rules is the 80% rule in home insurance. You should generally carry at least 80% of your home’s total replacement cost value in home insurance. What is Total Replacement Cost Value in Home […]
December 1, 2020
AgencyHow Much is Commercial Auto Insurance?
Like personal auto insurance policies, commercial auto insurance rates are subject to a variety of factors. The premiums for this insurance vary widely depending on your location, the size of your business and more. Taking a look at what is affecting your commercial auto insurance rates can help you understand your premiums and find ways […]
October 15, 2020
AgencyWhat is Soft Fraud Car Insurance?
When shopping for car insurance, you may come across the term “soft fraud.” While this doesn’t happen often, soft fraud can occur and make it difficult for you to get car insurance. Soft fraud occurs when you are dishonest to your insurer about certain factors that could affect your car insurance. Lying About a […]
September 23, 2020
AgencyWhat Factors Can Influence My Life Insurance Premiums?
When you buy life insurance, you invest in a policy that will offer your loved ones financial help after your death. However, while you remain alive, you will have to pay for your coverage. Still, depending on multiple factors, your precise premium cost will vary. What are some of these influencing factors? Understanding Life Insurance […]
June 28, 2017
AgencyDiscrimination Claims and Business Insurance
Businesses today face increasing risks of lawsuits and claims. Many companies take significant steps to ensure they have the best employees on the job. They put in place very strict standards. They follow their attorney’s advice in creating training programs. Many even take extra steps to document every disciplinary instance clearly. Yet, discrimination claims still […]
March 24, 2017
AgencyThe Difference between Standard and Specialist Care
Health insurance doesn’t guarantee the same prices for every level of care. As you likely know, treatment involves different levels of care based on your need. For example, you may visit your primary care provider for the flu or other common ailments. But, if you suffer from kidney or have a heart conditions, you may […]