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September 16, 2026
Can Bundling Home and Auto Insurance Really Save You Money?
It can. Many insurance companies offer discounts when customers purchase multiple policies with the same insurer. However, the amount you save, and whether bundling is actually the most affordable option, depends on your individual situation. Here’s what you should know before deciding whether to bundle…
August 19, 2026
Q&A: What Homebuyers Should Know About Insurance Before Closing
When should homebuyers start thinking about homeowners insurance? Chris: Ideally, homebuyers should start thinking about insurance as soon as they are under contract. Waiting until the last minute can leave buyers scrambling to secure coverage and may create challenges during the…
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? …
July 29, 2026
6 Common Homeowners Insurance Myths Debunked
Myth #1: My homeowners insurance covers everything. Fact: Every policy has limits, exclusions, and conditions. It’s important to understand exactly what your policy covers. Myth #2: Flood damage is covered by homeowners’ insurance. Fact: Standard homeowners insurance policies typically do not cover…
July 15, 2026
Q&A: Should You Update Your Insurance Policy After Home Improvements?
We spoke with Chris Walton, Agency Manager, about why homeowners should review their insurance coverage before and after making major improvements to their home. Q: Do I need to update my insurance policy if I’m making improvements to my home? Chris Walton: Yes.…
May 28, 2026
Rising Insurance Costs & Ways to Save
Why have insurance rates increased so much over the past few years? Chris W: Insurance rates have risen largely due to increased claim costs. The cost of labor and materials has gone up significantly, and in the auto industry, access to parts has…
March 12, 2026
Flood Insurance: What Homeowners Need To Know
Q&A with CIA’s Agency Manager Chris Walton Flooding is one of the most common and costly natural disasters in the United States, yet many homeowners are surprised to learn that standard homeowner’s insurance does not cover flood damage. To help homeowners better understand their risks and…
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 20, 2026
Should You File a Claim Every Time?
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…