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Is Your Home Underinsured?

  Underinsurance is defined as the limit of insurance being insufficient to replace or fully repair damages caused by a covered peril, such as fire, wind, theft, etc. I recently read a blog from Enhanced Insurance that I found extremely interesting and helpful, considering we deal with this subject on a daily

Car Insurance: Does it Cover the Car or the Driver?

  This can be a confusing question for most people, and you're not alone if you find yourself struggling to answer.  In essence, both are correct.  Generally, people would like to say that car insurance is exactly that - insurance for the car.  However, it's a little more complicated than that.

Vehicle Breakdowns: What To Do

  Getting out of the car at a busy intersection or on a highway to change a tire or check damage from a fender bender is probably one of the worst things you can do.  The Insurance Information Institute (I.I.I.) recommends the following precautions when your car breaks down: 1)  Never get

Tips for Unoccupied or Vacant Homes and Properties

  When properties are left vacant or are unoccupied, steps should be taken to help mitigate and prevent losses due to heating or electrical systems, water damage, vandalism or other causes. Help keep your clients and their families safe by sharing the following loss prevention tips: Heating and Electrical Systems 1.  To help

Data Storage: External Hard Drive or the Cloud?

  For the past two decades, computer users have relied on external hard drives for data storage and backup. Available in both desktop and portable versions, and equipped with a number of security options, external hard drives have also increased significantly in storage capacity to as much as 9 TB for

Identity Theft Coverage: What Is It? Do You Need It?

Information provided by: Insurance Information Institute   It's happening everywhere. Data from retail stores, hotels, banks and other businesses are being stolen and misused - and data theft scams are likely to increase as the holiday season approaches, according to the Insurance Information Institute. Identity fraud is on the rise for the second year

Mobile Apps for Insurance

When is the last time you used the words “cool” and “insurance” in the same sentence? If you can’t recall any in your recent memory, you’re not alone. But, let’s picture this: You’ve just been in a car accident. You take out your smartphone, open your carrier’s mobile app, start

What does my Homeowners Policy Cover?

Have you ever wondered, “What does my homeowners insurance policy actually cover?” When you purchased your policy, were you shopping for the correct coverage or were you comparing prices? In recent years, many people have shifted their focus to being budget-minded, which is understandable in today’s economy. However, it’s important to

Membership & Occupation Related Discounts on Auto Insurance

If you've held auto insurance for even a short time, you probably already know there are several factors that determine how much you'll pay in premium.  For instance, your age and driving experience have a big impact as well as the kind of car you own and how many miles

May is National Bike Month!

  It’s no secret that bicycling has been a favorite pastime ever since we can remember.  In recent years, however, bicycling has increased in popularity as not only a sport, but a means of transportation.  Here are just a few of the statistics: Bike sales have increased by 20% from 1992-2006¹ Bike commuting