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
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
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
Cargo Insurance
Cargo insurance provides insurance on the freight or commodity hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load. If your load is accidentally dumped on a roadway or waterway (Removal Expenses coverage), cargo insurance pays for…Read more
Term vs Whole Life Insurance
The most basic feature of a life insurance policy is the death benefit. The amount of money your beneficiaries will receive when you die. It’s the core reason to own life insurance – but not the only one. What’s the difference between Term and Whole Life insurance? Term Insurance Term life insurance provides protection for…Read more
High Value Homeowners Insurance
As an owner of a distinctive home, your insurance needs are unique. Your home is a significant investment, and it is important that you have the right coverage to protect special characteristics and custom fixtures as well as your fine possessions. At The Andrew Agency, we have the expertise to not only meet your expectations,…Read more
Jewelry Insurance
What’s the point of having nice things if you have to worry about losing them? Protect the worth of your jewelry and other cherished items by adding an Inland Marine policy also known as scheduled personal property. Protect the things that matter to you Look around your house. What are the items that are most…Read more
Understanding Synthetic Stucco
Having a house with EIFS, also known as Dryvit, isn’t the end of the world. EIFS isn’t a disease; it’s synthetic stucco. And even though your house may have been built using it, with knowledge and proper maintenance everything can be just fine. It pays to be informed EIFS is an Exterior Insulation and Finish…Read more
Does Homeowners Insurance Cover Water Damage?
One of our clients recently had a pipe break that caused substantial water damage to their finished basement. Sudden and accidental water damage – like burst pipes – are generally covered by your homeowner’s insurance policy. However, it is important to know that not every type of water-related damage is covered. A few tips to…Read more
What Does Homeowners Insurance Cover?
We are often asked what does homeowners insurance cover. If you own a home, homeowners insurance is important. In fact, if you have a mortgage on the home, insurance is required by the mortgage company to obtain a loan. After purchasing the policy, you receive your declarations page and policy in the mail and probably…Read more
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