January 31, 2024
jdowdinsTips for Home Insurance Buyers in 2024
While most significant factors, such as weather conditions, climate change and economic inflation, are out of the control of homeowners, policyholders must still consider steps they can take to mitigate rising premiums and find any potential savings that may be available. Retaining adequate insurance protection is vital for financial security, even during difficult times. Consider […]
January 29, 2024
jdowdinsAt What Age Do Car Insurance Rates Decrease?
Car insurance rates typically decrease as drivers get older, with the most significant decrease occurring between 18 and 19. This decline in premiums is due to insurance companies’ perceived risk reduction between theses ages. How Inexperienced Drivers Can Lower Car Insurance Premiums For young drivers, staying on a parent’s insurance policy can result in lower […]
January 22, 2024
jdowdinsDoes Your Business Need Product Guarantee Insurance?
Does Your Business Need Product Guarantee Insurance? Many businesses face risks related to their product’s performance, and claims in this area can have significant and far-reaching consequences. Product guarantee insurance can be an integral part of a company’s insurance portfolio, as it may offer valuable protection against allegations that a business’s product failed to meet […]
January 18, 2024
jdowdinsDon’t Make These Home Insurance Claims Mistakes
Navigating the intricate landscape of home insurance claims can be daunting, and avoiding common mistakes is crucial to ensuring a smooth and successful process. Whether you’re a first-time homeowner or a seasoned one, understanding the pitfalls to avoid can make a significant difference in the outcome of your claim. The following are the most common […]
January 18, 2024
jdowdinsSix Trends Affecting Commercial Property Insurance
Commercial property insurance plays a critical role in protecting the assets of a business. In the event of a loss, this coverage can help businesses replace or rebuild their damaged or destroyed property and restore their operations in a timely manner. As such, it’s crucial for your organization to obtain a sufficient commercial property insurance […]
December 4, 2023
AgencyOlder Driver Safety Awareness Week
Older Driver Safety Awareness Week, held each December, serves as a critical reminder of the importance of road safety for our aging population. As our loved ones grow older, their ability to drive safely can change, and our responsibility is to help ensure their well-being behind the wheel. Why Older Driver Safety Awareness Week Matters […]
November 29, 2023
AgencyThe Importance of Insurance to Value for Commercial Property Coverage
When purchasing or renewing their commercial property insurance, it’s vital for businesses to ensure such coverage includes correct property valuations. Doing so can make all the difference in providing sufficient protection and preventing coinsurance penalties amid covered property losses. That’s where conducting accurate insurance-to-value (ITV) calculations comes into play. Generally speaking, ITV refers to an […]
November 27, 2023
AgencyCyber Attacks: Common Social Engineering Tactics to Watch For
Social engineering refers to a cyberattack method in which a cybercriminal preys on key human behaviors (e.g., trust of authority, fear of conflict and promise of rewards) to obtain unwarranted access to targets’ technology, systems, funds or data. These attacks can be deployed through various tactics, such as digital impersonation, deceitful messages or malicious software […]
November 20, 2023
AgencyWhat Is A Personal Article Floater?
It’s a common misconception that homeowners or renters insurance policies cover all personal property. Even if they do cover personal items, there is often a financial limit as to what those policies will cover. Sometimes the amount covered is well below the item’s value. For highly valuable items, unique or hard-to-find items or items that […]
November 16, 2023
AgencyCommon Auto Insurance Policy Questions
Auto insurance policies can be complex and confusing. This blog reviews some of the most common auto insurance policy questions. If a friend drives my car, is he or she covered by my policy? Since most insurance coverage is connected directly to the car, if someone else borrows your car occasionally, he or she […]