Many homeowners assume they should file an insurance claim any time something goes wrong. But in reality, filing the wrong claim can raise your rates, limit your options, and cost you far more over time.  Chris O’Brien explains how to decide when filing…

Most homeowners have insurance, but very few understand what their policy covers until something goes wrong. Knowing what you’re protected against (and what you’re not) can be the difference between a small inconvenience and a major financial setback.  We spoke with Chris O’Brien, Sales Manager,…

Accidents don’t just happen inside your home; they can happen anywhere. Personal liability and medical payments coverage are designed to protect you financially when someone is injured or their property is damaged because of your actions. Chris Walton explains how these coverages…

Auto accidents can create serious financial risks, especially when bodily injuries are involved. Chris Walton explains how bodily injury coverage works, how long claims can take, and how to protect yourself with the right limits.  Q. How long does it…

When reviewing an insurance policy, two terms come up often: Replacement Cost and Actual Cash Value. Understanding the difference can make a major impact on how much you receive after a claim.  Actual Cash Value (ACV)  Actual Cash Value takes depreciation into…