What is Homeowners Insurance?
Homeowners form HO3 is intended to provide you with financial protection against damage to your home. A standard home insurance policy covers the property and liability. Are there different types of Homeowner policies? Form HO3 written on owner-occupied single-family homes This policy can provide property coverage for the house, other structures, contents, and loss of use of your house…
Read MoreWhy Should I have Final Expense Life Insurance?
In our golden years it is necessary to plan for the inevitable. Final expense life insurance is a necessary part of financial planning for the elderly as well as for their families. It is designed to: Cover costs associated with end-of-life expenses such as Funeral / Cremation / Burial. Provide security knowing that your affairs…
Read MoreAm I stuck in my Medicare Advantage- MAPD Plan?
If you’re a Medicare Advantage plan holder, you’re in for a crucial window of opportunity – the Medicare Advantage Open Enrollment Period, spanning from January 1 to March 31. This period allows you to reassess your plan and make adjustments if necessary, offering flexibility for your healthcare choices. What Changes Can You Make? During…
Read MoreWhy do my auto and home insurance rates go up?
Why are your insurance premiums going up? Each company has their own underwriting and rating methodology. There are many different factors. How each company utilizes or weighs them can have varying effect on your rates form one company compared to another. Personal Factors: a change in driving record for traffic tickets, accidents, and claims. Companies…
Read MoreWhy You Should Use an Independent Insurance Agent to Quote Your Home and Auto Insurance
When it comes to insurance, two of the most critical policies many individuals and families need are home and auto insurance. The choice you make here can significantly impact your financial security and peace of mind. That’s why it’s essential to consider working with an independent insurance agent for these specific needs. In this…
Read MoreUnderstanding insurance premium increases
Increasing Claims Costs: Average vehicle repair costs have risen steadily, with the larges increases happening over the last 2 years. Auto Claim costs associated with auto parts and equipment saw double digit increases and are up 23% pre pandemic levels*. Frequency and Severity of Natural Disasters: The growing frequency and severity of natural disasters, such as hurricanes, wildfires, floods,…
Read More8 Reasons Why Reviewing Your Medicare Options Is Important
Your health is dynamic and ever-changing, and so are your healthcare needs. What may have been the perfect Medicare plan for you in the past might no longer align with your current health conditions and medical requirements. The world of Medicare is complex, with a multitude of options, and understanding them is paramount to your…
Read MoreWhat type of life insurance should I consider?
Most people I meet don’t have enough life insurance and they are surprised at how affordable coverage can be. In many cases exams are NOT required. Some policies are Guaranteed Acceptance; No medical questions asked. When considering the type of policy to apply for you want to consider: Your Needs -how much insurance you need Your…
Read MoreHMO and POS Plan Overviews
HMO Plans Overview: With an HMO plan, in most cases you must see a provider, or primary care physician (PCP), within your network. Your primary caregiver acts as your gatekeeper of sorts, referring you to others within your network. (If you want to see a specialist, you may need to get a referral from your…
Read MoreCommercial Insurance Services
Call us for your commercial insurance needs we can write: HVHC service and installation Carpentry door and window / installation Drywall installation, sidewalk paving interior Electrical fence erection Floor installation Janitorial services Landscape and lawn care Masonry Painting Contractors plumbing Septic tank system installation and service Sheet metal work Siding installation Tile stone and marble…
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