Home Ins Yesterday Etler-Kettenacker Agency posted a page on home insurance specifically relating to replacement cost and actual cash value.  This page discusses the differences and benefits of these replacement options available with your home insurance policy. Replacement cost comes with a slightly higher premium but is worth the expense.  It makes you whole after a loss to your home with current prices of materials for repair or the current cost to replace your home. Ac...

Homeowners insurance is homeowners insurance... right? Its not. Picking a homeowners policy is about as straightforward as choosing a home -- there are lots of options, lots of hidden costs, lots of variety. Dont assume that the same company youve been using for your car insurance will be the best for your homeowners insurance. While its true that bundling policies saves money, you could save more money by moving your policies to a new insurer. Dont be afraid to look around! Here are ...

“An independent agent is an insurance agent that sells insurance policies provided by several different insurance carriers, rather than just a single insurance company. The independent agent acts as a middleman to connect insurance buyers and sellers in order to facilitate a transaction. Independent agents are not considered employees of any specific insurance company."    I have found that many people dread talking about insurance or to anyone who works in insurance. This...

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...