Here’s what to have on hand before you start.  1. Your Current Insurance Policy  If you already have insurance, keep a copy of your current policy or declarations page nearby.  This can help an agent understand your existing:  Most importantly,…

How Often Should You Review Your Policy?  For most homeowners, an annual insurance review is a good starting point.  Your policy should also be reviewed whenever you experience a significant change involving your home, finances, family, or belongings.  A policy…

Tree branches fall on cars during a storm. Hail dents roofs and cracks windshields. Cars are stolen or vandalized while parked. In these situations, comprehensive auto insurance could provide important protection. But what exactly does comprehensive coverage cover, and how…

Yes, bundling CAN unlock savings! 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…

Here are a few important insurance considerations to keep in mind.  Protect Valuable Electronics  Today’s students rely heavily on laptops, tablets, smartphones, and other electronic devices. These items can be expensive to replace if they’re lost, stolen, or damaged.  Take inventory of…

Comprehensive vs. Collision Coverage Explained  Many drivers assume their insurance policy automatically covers all damage to their vehicle, but different types of damage are covered by different parts of your policy.  Two of the most important coverages for your vehicle are collision and comprehensive coverage. …

PIP, Medical Payments & Uninsured Motorist Coverage Explained  When most people think about car insurance, they think about damage to vehicles. But some of the most valuable coverages on your policy are the ones designed to protect you and your passengers after…

What Happens Financially If You Cause a Car Accident?  Auto insurance can feel overwhelming, especially when trying to understand what each coverage actually does. One of the most important parts of your policy is liability coverage, the protection designed to cover damages or…

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…

1. Does Your Insurance Cover You Out of State?  Good news: Most auto insurance policies follow you across state lines.  But:  2. Rental Car Confusion  This is where people get tripped up.  Your personal auto policy may cover rental cars, but only…