Do I Need Full Coverage?
Full Coverage: The Heart-Eyes Emoji of Insurance When you think of what auto insurance is supposed to do, you’re thinking of full coverage. The term “full coverage” refers to having both liability coverage and physical damage coverage on your vehicle. While I’ll get more into what those are in a moment, the gist of it […]
It’s Time to Get Real About Flood Insurance
You’re in denial about Flood Insurance. There, I said it. Flood insurance is the most overlooked policy for homeowners in the entire country. It is the biggest gap in coverage that we deal with on a daily basis, and could easily be resolved with one simple, affordable, government-backed policy. So why? Why don’t more people […]
Why Your Policy Doesn’t Cover Wear and Tear
Your Insurance Policy Does a Lot Whether your policy covers your car, truck, house, apartment, boat, or motorcycle, it does a lot to protect you from a variety of bad things that can happen. Most policies cover you from natural events like fire, lightning, wind, vandalism, theft, and other nasty surprises. And that’s why we […]
How to Perform an Insurance Review
An Insurance Review is Mandatory But you probably already knew that. You’ve heard it from your agent until you, or more probably she, is blue in the face – you NEED an annual insurance review. But what does it cover? And what if you have already had one, but things in your life have changed […]
Moving: A Great Time to Review Your Insurance
When it comes to moving, most of us don’t think about insurance. You’ve already got enough on your plate, including your plates; they’re in that box over there. So why would you want to worry about insurance on top of everything else? Well, it turns out that moving is the perfect time to review your […]
Beginner’s Guide to Cyber Liability Insurance
Cyber Liability: Insurance for the Modern Digital World Cyber is a word we hear all of the time in modern culture, but rarely in regards to insurance. Phrases like “cyber security,” “cyber attack,” and “cyber stalk” are everyday terms at the workplace, at home and online. The simple fact of the matter is that we […]
EPLI: The Coverage Your Business Needs
What is EPLI? So happy you asked! EPLI stands for Employment Practices Liability Insurance, and it’s probably the coverage your business needs but doesn’t have. EPLI protects business from lawsuits involving employees or former employees who feel they have been wronged by someone at the company. While we would like to imagine that this is […]
3 Secrets to Lower Auto Premium
How can I lower my auto premium? It’s something we hear every day. There isn’t a person in America that doesn’t think they pay too much for auto insurance, and whether that is because they’ve heard it on television or because they probably ARE overpaying, most of us want to pay less for the coverage […]
Risky Business: How Insurance is like Investing
Aren’t they the opposite? We typically think of investing and insurance as two completely different things. With investing, you put your money somewhere with the hope that it grows, giving you a return on what you put down. With insurance, you put your money somewhere to avoid paying more later if something bad happens. But […]
An Irreverent Guide to Motorcycle Safety
Motorcycle (safety) season is here. The sun is out, the leaves are green, the water is warm – all reasons to get the bike out, wipe it down, and hit the road. Whether you ride all year or just for quick trips in great weather, now is the time to enjoy the experience that only […]