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…

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…

What is an Insurance Portfolio?  An insurance portfolio is the collection of coverage that protects your income, assets, and loved ones. Just like a financial portfolio, it should be well-rounded and tailored to your specific needs.  A strong insurance portfolio typically includes:  How Insurance…

  Why a Home Purchase Matters for Your Financial Health  For most people, a house is the largest purchase and investment they’ll ever make. Beyond the mortgage itself, it influences everything from your monthly budget to your long-term wealth strategy.  Unfortunately, many…

   A common question that comes up is whether mortgage insurance and life insurance are duplicative. While it may sound like they provide similar coverage, they work very differently, and one will offer far more direct value to a homeowner’s loved ones.  What is Mortgage Insurance?  Mortgage Insurance (PMI) is often required when a homebuyer makes a down payment of less than 20% of the purchase…

Most people feel confident their homeowners or auto insurance has them covered — until life throws them a curveball. It’s not just major accidents or unexpected lawsuits that can put your savings at risk. Even small events can snowball into…

How Homes Become Underinsured   Several common scenarios can lead to underinsurance:   Why Mortgage-Required Coverage May Not Be Enough   Your lender may only require coverage equal to the outstanding mortgage balance. This is often far less than the amount needed to…

What Is Umbrella Insurance?  Umbrella insurance is a type of personal liability insurance that covers claims exceeding the limits of your other insurance policies. If you’re found liable in a lawsuit for damages or injuries, your underlying policy may only…

Life Events That Warrant a Policy Review  Have you added a room, upgraded your kitchen, or installed a pool? This increases your home’s replacement cost and should be reflected in your policy.  Bought a new engagement ring, home theater system,…