There is no quick answer to this question that applies to everyone across the board. Each individual or family may have different circumstances that affect their insurance rates. Here are 5 of the most common reasons we see your insurance rate increase. 1. Tickets & Accidents - Your driving record has the single biggest [...]
Your unique insurance needs change every year. So do auto insurance carrier rates and pricing. The best way to ensure you're getting the best value for your insurance dollar is to work with an Independent Insurance Agency (like ours). As an Independent Agency, we have multiple carriers we can shop with to find the [...]
I recently helped a wonderful couple buy their first home. Of course, it was the first time they'd needed homeowner's insurance as well. The entire experience was new to them, so naturally, they had lots of questions. I love questions. It means the person I'm talking with actually cares about what they're doing. They [...]
You will find the cheapest condo insurance by working with an independent insurance advisor. All insurance companies offer different rates for different risks. Factors such as location, structure type, coverage selection, and personal and household information can affect the cost of your insurance coverage. An independent insurance advisor can shop with multiple [...]
During winter, your electricity bill can climb as quickly as the temperature drops. If you practice a few energy-saving techniques, though, you may be able to keep more money in your pocket—and take it a little easier on our planet at the same time. All you have to do is make sure your home [...]
The amount of insurance you should purchase for your condo will depend on what coverages and limits are provided by your HOA master insurance policy. You can request a copy of your HOA master insurance policy from your homeowners’ association. You should purchase enough dwelling coverage to meet or exceed the deductible [...]
Having to file a claim is never a fun event. This usually means something tragic, or at least, "not a good thing" has happened in your life. This is exactly why you have insurance. When determining whether or not you should file a claim, you should consider the following: What is the cause of [...]
If you own an individual condo or townhouse, you need to purchase an individual HO-6 condo insurance policy. This policy is specifically designed for condo and townhouse unit owners. Your individual HO-6 condo insurance policy will provide coverage for your personal property, loss of use, liability, and medical expense, as well as [...]
United Insurance Group's Earthquake Program received a bump in ratings earlier this year. Their Earthquake program carrier Golden Bear Insurance Company received a Financial Rating Upgrade by AM Best, the world's first credit rating agency. We are pleased to announce that the AM Best Company has upgraded the financial rating of our Earthquake program [...]
Spring is in the air and summer is just around the corner. Well, actually it's probably already here. Over the past few months, with spring break, with many people traveling to see family and friends, with summer vacations coming up, the most often question asked us is "Am I covered if I use a [...]
