Commercial Auto Basics

Do I need a commercial auto policy? Is it required? If you use your vehicle for business purposes, whether it’s driving yourself to client’s homes or transporting people or goods in your vehicle, you need commercial auto insurance. The primary difference between personal auto insurance and

Commercial Liability Insurance for Businesses

What Does Business Liability Insurance Cover? Business (or commercial) liability insurance can protect a range of exposures depending on the type of coverage you obtain. Business liability covers your business’ assets and pays for expenses that result from your product, property, employees,

How to do a Home or Apartment Inventory for Your Insurance Policy

Imagining losing your home and your possessions is not a relaxing way to spend an afternoon. Unfortunately, for thousands of families across the United States each year, they don’t have to imagine it because they have lived through it. Ask any one of them and they will tell you that what makes

New Year – Do you Need a New Homeowners Insurance Policy?

Most people go to the doctor for an annual physical and check the batteries in their smoke detectors at Daylight Saving time, but are you reviewing your existing insurance policies and coverage needs annually before renewing?  If not, you should be. There may be gaps in your coverage and you may

Finding the Right Insurance for Your Residential Properties

Whether you own an apartment building, a condominium complex or a homeowners association, or a combination of some or all types, property management of all stripes presents its own unique set of considerations. Finding the right insurance for these different forms of residential properties is

Does Your Credit Score Affect Your Insurance Rates?

The practice of using your credit score as one of the ways to determine how much you pay for car insurance is controversial, yet it is also nearly unavoidable as you shop for car insurance. In fact, the majority of auto insurance companies—and even some homeowners insurance companies—use credit

Pros and Cons of Personalized Insurance Services

Independent insurance agents, unlike insurance agents employed by a large national insurance provider, have access to many insurance companies. Agents who work for a big insurer can only offer you insurance plans provided by their company. Independent insurance agents, however, work for you, and

Can Your Home Insurance Weather any Storm?

The last thing any homeowner wants to discover the morning after a terrible storm is broken windows, a ruined roof, or a destroyed deck. Dealing with the insurance company in filing a claim and seeking reimbursement is no picnic, either. The process of recovering quickly following a severe weather

Flood Insurance May Be More Important than You Think

Did you know that everyone lives in a flood zone? It’s just that every area has a different level of risk, low, moderate, or high. It’s common to think floods only happen on the coasts. However, millions of flood insurance claims have come from states with no coastal land. So, are you at

One of a Kind Homes Deserve the Best Coverage

When you have much to protect, high value home insurance isn’t a luxury, it’s a necessity. A home valued at $500,000 or more requires more coverage than your standard homeowner insurance policy offers. Whether your home is a historic, architectural beauty or a contemporary work of art, you need an