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August 11, 2026
Why Did My Homeowners Insurance Premium Increase? 5 Factors Behind Rising Costs
Insurance premiums are influenced by many factors beyond an individual homeowners claim history. Carriers consider the overall cost of protecting homes, including construction expenses, weather risks, and changes in the insurance market. Understanding what impacts your premium can help you make informed…
August 5, 2026
When Was the Last Time You Reviewed Your Homeowners Insurance Policy?
An annual policy review can help ensure your coverage reflects your current needs and gives you the opportunity to ask questions before the unexpected happens. What should homeowners review? Has your home changed? Have you made major purchases? Has your lifestyle changed? …
May 26, 2026
Underinsurance & Coverage Gaps
What does it actually mean to be underinsured? Chris W: Being underinsured means you don’t have enough insurance coverage in your policy to fully protect against financial loss. When a claim happens, your insurance payout may fall short of the actual cost to repair,…
March 5, 2026
Can You Change Your Insurance Policy Midterm?
Q&A with CIA’s Agency Manager Chris Walton Many people assume they must wait until their insurance policy renews before making any changes. But in reality, homeowners and drivers often have more flexibility than they think. To clarify how midterm policy changes work, we spoke…
February 12, 2026
When Can I Switch Policies? Do I Have to Wait Until Renewal?
When Can You Switch Policies? Most insurance policies allow you to switch at any time, not just at renewal. However, some plans may have exceptions: Why Timing Matters Switching at the right time ensures you stay protected without paying for…
February 4, 2026
Term vs. Permanent Life Insurance: What’s the Difference and Which Is Right for You?
Life insurance isn’t one-size-fits-all. One of the most common questions people ask when shopping for coverage is: “Should I choose term life or permanent life insurance?” Both types serve important purposes, but they work very differently. Understanding the cost, length of coverage, and how cash…
January 13, 2026
Personal Liability & Medical Payments Coverage for Homeowners
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…
January 9, 2026
Liability Limits & Medical Payments for Auto Policies
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…
December 26, 2025
Big 2025 Christmas Gifts? Make Sure They’re Properly Insured
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…
October 15, 2025
Building an Insurance Portfolio to Support Your Financial Goals
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…