Unfortunately some driver’s do not follow the law and drive without insurance. According to DMV.org the Insurance Research Council (IRC) estimates that 1 out of every 7 drivers in the United States is currently driving without car insurance. Some states are now requiring uninsured motorist coverage and you might be wondering what exactly I am…Read more
3 Ways to Save on Homeowners Insurance
You can lower the monthly premium on your homeowners insurance in 3 ways. We’ll discuss those ways but first let’s discuss what homeowners insurance is designed to cover. Homeowners insurance is designed to cover a “sudden and accidental” loss. Homeowners insurance is not a maintenance policy and it will not cover damage due to wear…Read more
Flood Insurance to be Escrowed
Five federal financial agencies this week finalized a rule requiring lenders to escrow flood insurance premiums for homes in flood zones, and exempting homeowners from a requirement to buy flood insurance for detached structures. Highlights of the agencies’ action: Banks and mortgage servicers must escrow for flood insurance premiums on mortgages made, increased, extended or…Read more
Replacement Cost Insurance
Choosing replacement cost insurance on your home’s contents helps restore the comfort of your home in the event of a loss. It could be worth hundreds, even thousands of dollars to your family. Replacement Cost Insurance Most homeowners insurance policies cover your personal property for its actual cash value. You may prefer to cover your…Read more
How Do Insurance Agents Get Paid?
We are often asked “how do insurance agents get paid”? Insurance agents generally work on commission but before we get to the pay structure lets review the different options you have to purchase insurance. Direct You can purchase insurance directly from the insurance company. Examples of direct companies are Geico, Elephant, The General and Esurance.…Read more
Insuring a Home with a Pool or Trampoline
We are often asked, “If I have a swimming pool or trampoline in my back yard will homeowners insurance cover it?” Swimming pools Because of both the high rate of drowning and the severity of water-related injuries, insurance companies consider swimming pools one of their biggest liabilities. Consider the possibility of a neighborhood kid accidentally…Read more
What Does Liability Insurance Cover?
When you buy a used car you have a choice to make. Should you purchase full coverage insurance or just liability? Before you can answer this questions let’s review what each coverage means. Full Coverage Insurance Full coverage insurance means you have coverage for your vehicle. The 2 main components to full coverage insurance are…Read more
Landlord Insurance
You might think of this policy as homeowners insurance for landlords. As with homeowners insurance, your policy will cover the structure itself, in the event that it is damaged by any number of causes, such as storms, fire or malicious acts. The policy will also typically provide liability protection to cover injuries to anyone on…Read more
Farm Insurance
Farm operations deserve special protection. After all, your farm is both your home and livelihood! Farm insurance is able to provide coverage for Farm Personal Property such as Farm Produce and Supplies, Mobile Machinery, and Livestock. Two types of coverage are available. Scheduled (items are described in the policy) and Unscheduled or Blanket (items are…Read more
Motorcycle Insurance
Many insurance companies provide money-saving discounts to help make the cost of motorcycle and moped insurance a little cheaper. Dairyland Cycle® offers the following motorcycle insurance discounts: Multiple motorcycles Home ownership Motorcycle safety course completion Rider groups Buyer beware: while it can be tempting to shop for cheap motorcycle insurance, you’ll more often than not…Read more
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