Learning Center

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…

The holidays are full of surprises, especially when big-ticket gifts are involved. Jewelry, electronics, watches, and other valuables are popular Christmas presents, but many people don’t realize these items may not be fully covered under a standard insurance policy.  Why your gifts may…

Why life changes mean insurance changes  Major events can impact your financial responsibilities and the assets you need to protect. Reviewing your insurance after a milestone helps ensure you’re not underinsured or paying for coverage you no longer need.  Here are a few moments when it’s smart to…

Buying a home is one of life’s biggest investments, and protecting your mortgage is critical. While Mortgage Protection Insurance (MPI) exists, term life insurance is often a smarter, more flexible, and affordable option for most homeowners.  How Term Life Insurance…

Step 1: Understand Your Insurance Needs Before requesting quotes, know what coverage you need:  Auto Insurance: Most states require liability coverage but consider adding collision and comprehensive coverage if your vehicle is financed or leased.  Homeowners/Renters Insurance: Protects your property, belongings,…

Insurance Tips for New Homeowners:  Homeowners Insurance: Covers property, belongings, and liability; lenders usually require it.  Flood & Hazard Insurance: Depending on your location, consider additional coverage for floods, earthquakes, or other natural disasters.  Document Valuables: Create an inventory of…