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...

4 Misconceptions about insurance

Hello there! I wanted to inform you of several misconceptions today that many people still have. Misconception#1 ” I don’t live in a flood zone, so I don’t need flood insurance.” Well, according to Federal Emergency Management Agency (FEMA)...