June 24, 2025
AgencyHow Does Your Auto Insurance Determine the Value of a Totaled Car?
When your car is declared a total loss after an accident, your auto insurance company must determine its actual cash value (ACV) to calculate your payout. This process involves several key factors that determine a fair and accurate valuation. How the Value of a Totaled Car Is Decided First, insurers assess the condition of your […]
April 29, 2025
AgencyPreparing for Natural Disasters: Is Your Business Covered?
Your business can face various risks and exposures daily, many of which may not be completely under your control. Some of the most prevalent threats for many organizations include natural disasters and severe weather events. While you may be powerless to prevent these incidents, you do have ample ability to fortify your financial interests […]
March 14, 2025
Chester CanonigoHow Life Insurance Helps Your Family Take Care of Expenses
Life insurance may provide financial support to your loved ones after you pass away. It is not just for those who earn an income; stay-at-home parents, caregivers and others who contribute to the household in different ways may also benefit from coverage. Without a policy, your family may struggle to cover daily living costs, debts […]
February 21, 2025
Family Affordable InsuranceHow Can I Ensure I Have the Right Protection with Life Insurance?
Choosing the right life insurance policy can safeguard your family’s financial future. However, with so many options, it can be challenging to determine which policy matches your needs. Here are some key considerations to help ensure you have the proper protection: Assess Your Financial Needs The first step toward choosing the right life insurance policy […]
January 31, 2025
AgencyFactors Affecting Auto Policy Rate Increases
Auto insurance rates can sometimes feel like a mystery, with premiums fluctuating seemingly without reason. However, several key factors influence these auto policy rate changes. Driving Record and Claims History Your driving record is one of the most significant factors affecting your auto insurance rates. Insurance companies assess your risk level based on your history […]
November 26, 2024
AgencyNamed Driver Vs Temporary Driver on Your Auto Policy
When it comes to auto insurance, understanding the distinctions between different types of drivers, like a named driver vs a temporary driver on your policy can be crucial. Named Driver A named driver is an individual listed on your auto insurance policy. This person is authorized to drive the insured vehicle and is covered under […]
October 28, 2024
AgencyInsurance for Newlyweds—Things to Think About
Marriage can be a thrilling and joyous experience, but it also brings new responsibilities, particularly in financial planning. One critical aspect that newlyweds should not overlook is insurance. Ensuring you have the appropriate coverage can offer reassurance and financial stability as you embark on your new journey together. Insurance Needs for Newlyweds The following are […]
July 30, 2024
Family Affordable InsuranceCan I Get Car Insurance if I Don’t Own a Car?
If you don’t own a car but drive vehicles belonging to others or rent vehicles, you need car insurance. Even if you aren’t listed as an owner of a vehicle, you can still get insurance to help provide financial protection. Non-owner Car Insurance Non-owner car insurance is designed for people who drive cars they don’t […]
June 27, 2024
Family Affordable InsuranceAre Items on My Property Covered in My Homeowners Policy?
Homeownership brings both joy and responsibility. As you settle into your new abode, it’s crucial to safeguard it against unexpected events. Homeowners insurance can offer that safety net, financially shielding your property and personal belongings from various risks. Whether you’re a seasoned homeowner or a first-time buyer, understanding your policy can help ensure peace of […]
March 26, 2024
Family Affordable InsuranceWhat Is an Umbrella Policy and Why Would I Need One?
An umbrella policy is not a physical umbrella that protects you from the rain but rather a metaphorical umbrella that can financially shield your assets from potential storms. So what exactly is an umbrella policy—and why would you need one? What Is Umbrella Insurance? An umbrella policy extends your liability insurance coverage beyond what your […]