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,…

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? …

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…

We sat down with Chris Walton, Agency Manager, to discuss when young adults should consider getting their own insurance coverage and what they should keep in mind as they navigate these important transitions.  Q: When should young adults consider getting…

Between paperwork, moving, and setting up your space, insurance is often treated like a checkbox. And that’s where costly mistakes happen.  1. Mistaking Market Value for Replacement Cost  A common misconception is assuming your home should be insured for what you paid…

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…

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…

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,…