Home Insurance Rates

IF YOUR MARKET  VALUE OF YOUR HOME HAS DROPPED, SHOULD YOUR HOME INSURANCE PREMIUM DROP ALSO? FACTORS THAT PLAY INTO REBUILDING: Your insurance premium should cover the cost of building a new home from scratch. Thus this has nothing to do with the sale value of your...

Why You Need A Personal Umbrella Policy

> Today,since jury awards on the rise, your assets could be at risk. The coverage that you currently have on your personal auto and home may not be enough. The average jury cases are about $985,675. Most people on average only have $100,000 for each person and...

Are you underinsured?

Hello everyone!  Please think about your coverages today.  Do you have enough if you were ever sued beyond your underlying limits on car and home? It could happen and it does happen. Many are under-insured today because of driving mistakes and sleepiness at the...

Replacement vs. actual cash value

Standard homeowner’s policy- Replacement Cost or Actual Cash Value? Did you know that a standard homeowner’s policy replaces on an actual cash-value basis and for only the perils named in the policy? There are two coverages that can provide additional...