Today, we are going to begin our "Insurance 101" series. In this series, well discuss all things related to insurance: terms, topics, types -- if its insurance-related, we will be talking about it. While this insurance stuff gets us really fired up, we realized its not the most exciting stuff for most people. So, well try to make this short, sweet and fun! And dont worry -- this is an ongoing series; we wont be bombarding you week after week with this stuff (in fact, we have a really fun sum...

Its June, which not only marks the start of summer, but also wedding season! For those of you with June anniversaries: happy anniversary! For those couples planning a June (or summer) wedding, this post is for you! June weddings have been popular since the dawn of time -- well, at least since Early Roman times. Two thousand years ago, the Romans celebrated a festival in honor of the deity Juno, wife of Jupiter and goddess of marriage and childbirth, on June first. Fast forward to Victoria...

Mortgage/rent, groceries, savings, insurance... these are the non-negotiable expenses in someones monthly budget. And lets face it, most of us arent exactly thrilled to shell out a portion of our hard-earned money for insurance -- especially car insurance. The fact of the matter is, many of us pay our car insurance premiums diligently every month -- and never actually have to use it. We dont get into any major accidents -- and small scuffs from taking a curb too close simply arent worth filin...

If you are sending your kids off to college this fall, you might be wondering about insurance. Specifically, insuring all that stuff you bought for your college-bound kid: computer, books, bikes and, in some cases, furniture. The National Retail Federation (NRF) estimates that the average family will spend roughly $900/college student -- on back-to-school supplies alone. If your child is going to live in a dorm, add $126 to that number for furnishings, the NRF says. For a full breakdown of b...

Alright: its quiz time! Today we are going to play a round of "Would You File an Insurance Claim If...". Answer the following questions honestly -- and remember, this makes a great game for the next family get-together! Would you file an insurance claim if... you got into a fender-bender in the parking lot at Preschool dropoff? Would you file an insurance claim if... a tree branch fell and damaged your gutter? Would you file an insurance claim if... your teenage son backed i...

We’ve all been there: you’re driving down the highway and a rock flies into your windshield, immediately cracking it. Or maybe you come out to your car after work to find a brand-new chip in your windshield. Windshield chips are unfortunately part of driving. Stuff happens! As drivers, we’re probably unsure of when we should seek professional repairs - and, more importantly, how much repairs will cost and what’s covered by our insurance. Small Repairs As a gen...

Tis the season for the holidays -- leaving our waistlines a little bigger and our bank accounts a little smaller! While we cant offer any advice for keeping your diet on track (thats what Januarys for, no?), we can help you save a little money this holiday season. How? By reviewing your car insurance policy, of course! As the inforgraphic ave illustrates, there are many ways to trim your auto policy. Here are some more top money-saving tips: 1. Bundle up! Were not talking about out...

Its common knowledge that one of the quickest and easiest ways to lower your car insurance premiums is to raise your deductible. But is it worth it? Here are 3 scenarios where you should think twice about raising your deductible: 1. You have a new car Congrats -- you have a new pair of wheels (and likely, a new car payment...). Before you change your deductible, consider what would happen in the event of an accident. There is no getting around needing full coverage that includes the coll...

When you receive your Insurance policies do you read them?  If you do, do you understand what you are reading? Give me a few minutes of your time to help you understand what your policy says and why it’s important!   We drive our cars every day!  We drive to work, to school, on vacations, and running errands.  How many times have you worried about an uninsured driver hitting you?  What if they have insurance, but not enough?  Now how many times have you a...

  Why do you need homeowners insurance? What if your home were destroyed in a storm, where would you go?  How would you replace your home, clothing, furniture? A homeowner’s policy will provide coverage on your dwelling (home), and personal property along with offer liability insurance if anyone were to be injured on your property or cause property damage.  If you have a loan on your home your lender will require you to have insurance; they want to make sure that their fi...

Spring time often means strong storms, often causing damage to your home!  Please take a quick minute to read this high-level summary of information about storms, and how your policy could affect your claims outcome!  Even if you are not one of our clients, please take some time to read this, it could apply to your homeowner’s policy too. Reporting a Weather Related Claim Several companies have shortened the timeline in which you can file claims for windstorm and hail even...