Going through a divorce is not easy. I know because I recently went through an expensive one! With more than half of all marriages ending in divorce you need to be aware of coverage gaps with homeowners insurance especially relating to liability coverage. Most divorce decrees will spell out which party is required to pay…Read more
What Affects My Car Insurance Rate?
There are many mysteries in the world. How your credit rating is determined is one of them. The Loch Ness monster is another. What affects your auto insurance rates is a third. Knowing what affects your auto insurance rates – and how to get the best rate you possibly can – is not as hard…Read more
Do I need to buy more than the minimum bodily injury liability protection?
Not if you’re a billionaire and aren’t concerned about forking over hundreds of thousands of dollars if you injure others in a car accident. For the rest of us, the answer is almost always yes. Bodily injury protection can be what stands between you and bankruptcy. By paying it, you can lean on your insurance…Read more
Protect Your Greatest Asset with Homeowners Insurance
You think it never will happen to you. Surely you never will have a fire, theft, storm, or accident in your home. But, if the unthinkable does happen, you’ll want to have homeowners insurance to protect you. Homeowners insurance is there during your times of greatest need to protect what is probably your biggest asset.…Read more
Water Backup – What’s Covered, What’s Not?
Homeowners insurance is designed to cover a sudden and accidental loss but there are exclusions. One of the most common exclusions is water backing up from a sewer line and overflowing into the home. There are policies that provide coverage for water backing up through sewers or drains as long as it originates on premise.…Read more
What Makes My Car Insurance Rate Increase?
Driving safe is something that insurance companies love their customers to do. It saves the insurance providers a significant amount of money if their insured clients do not ever have accidents. Thus, they tend to favor safe drivers with lower policy premiums and incentives like a disappearing deductible for each year they do not file…Read more
What Is Underinsured Motorist Coverage?
Medical protection for you when “the other guy” runs out of coverage. Millions of auto accidents occur every year. Given the high speeds and low weight of cars on the road, many crashes result in serious injuries. While medical advancements can do amazing things to treat injuries, treatment comes at a high cost. Medical bills…Read more
7 Tips to Selecting the Right Independent Insurance Agent
Selecting the right independent insurance agent to take care of your insurance needs should not be an “eeny, meeny, miny, moe” decision. You are looking for a long-term relationship with someone you can trust. You wouldn’t buy a car without shopping around, and you shouldn’t select an independent agent without doing some research too. So…Read more
How Teenage Drivers Affect Your Car Insurance
How Teenage Drivers Affect Your Car Insurance When teens are about to turn 16, chances are they’re dreaming of carefree days behind the wheel with the windows down and the wind in their hair. As the parent of a new teen driver, your dreams may be clouded with worry and higher insurance rates. Talking to…Read more
Rental Property Insurance vs. Homeowners Insurance
Robert moved from Richmond, Virginia to Leesburg and called me to update the mailing address on his insurance policies. I asked him what he was doing with his house in Richmond and he told me he tried to sell it but couldn’t get his asking price so instead he decided to rent the house. Robert’s…Read more
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