Repairs aren't the only cost you'll incur from an accident. You'll also need a rental car or other transportation while your car's being repaired. You might benefit from a rental endorsement as part of your car insurance coverage. Car repairs are not the only cost you will incur if you are in an auto accident. You will also need a rental car or ano...

There's nothing more frustrating than hearing the telltale click of your car's dead battery or finding you have a flat tire. Roadside assistance insurance can help you with a jumpstart, a tire change or by towing your car. There is nothing more frustrating than getting in your car, turning the key, and hearing the telltale click of a dead battery. ...

Some states have no-fault insurance, designed to cover only your property and medical care in the event of an accident. They require Personal Injury Protection (PIP) coverage for medical care for drivers and their passengers in the event of an accident. Some states have no-fault insurance laws, which means insurance policies are designed to cover y...

Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) can protect you financially if you're hit by a driver with no insurance or not enough to cover your bills. Many states require it by law to be in your policy. Being in a serious accident is a terrifying experience. Seeing the damage to your car and possibly even being injured...

Most states require you to carry auto insurance. But how do you know if you have enough? A basic understanding will equip you with the knowledge you need to make smarter decisions when selecting your auto insurance policy. Let's get started! Most states require that you carry auto insurance by law. However, even if it weren't required, everyone sho...

How are auto insurance rates calculated? Factors such as your age, education, occupation, location, type of car, tickets and accidents, possibly credit rating, and more can drive your rates up or down. What is the average cost of auto insurance? (how is rate calculated) Insurance companies take into consideration all sorts of factors to help decide...

Boats offer freedom that cannot be matched by other vehicles. But along with the fun comes some danger and potential for disaster. The right boat insurance policy can help protect you, your family and others from the hazards of boating. Boats offer a level of freedom that cannot be matched by many other vehicles. When we think of boats, our minds p...

We often hear "What do I do if something happens to my house?" Filing a claim can be an intimidating or complex process; let's walk you through the steps you need to take, from the initial loss to repair of the damages. One of the most common questions I get when helping someone set up a new home insurance policy is "how do I use this policy?" or "...

Umbrella insurance goes beyond your normal limits of liability to cover injury to others, legal fees and litigation, excessive property damage, and more. Relatively cheap, it can give you protection from a sudden and serious situation. What is umbrella insurance? You may have heard the term before, but you might be asking yourself "What is umbrella...

High-value insurance is a segment of personal lines insurance that targets and caters to the insurance needs of individuals with a higher net worth and more tangible assets to protect. There are insurance carriers and products that are specifically designed to fit the mold for these more complex risks. What makes up a high-value client? There is no...