August 27, 2025
AgencyMotorcycle Insurance Basics First-Time Owners Should Know
Buying your first motorcycle is exciting, but it also comes with responsibilities, including maintaining appropriate insurance. Liability Coverage Liability insurance is required in most states for motorcycles. It may help cover costs if you’re responsible for injuring someone or damaging their property in an accident. Policies typically include the following: Bodily injury liability may assist […]
July 21, 2025
AgencyThe Impact of Credit Scores on Non-Standard Auto Insurance Rates in Texas
insurance companies are permitted to use credit information when calculating auto insurance premiums. This includes both standard and non-standard policies. A credit-based insurance score is not the same as a traditional credit score used by lenders. It is derived from similar data, such as payment history, outstanding debt, length of credit history and types of […]
June 26, 2025
AgencyWhy Your Roof’s Age Matters to Insurance Companies
When it comes to homeowners insurance, the age of your roof plays a pivotal role in how insurers assess risk and determine your premiums. While it might seem like just another part of your home, your roof is actually one of the most critical components in protecting your property from weather-related damage. Concerns About Older […]
May 30, 2025
AgencyActual Cash Value vs. Replacement Cost: What is the Difference?
As a homeowner, you’re likely aware of the importance of home insurance. These policies can offer robust and versatile financial protection for you, your family and your property, potentially accounting for unexpected losses and expenses caused by various incidents and perils. However, while you may think you fully understand home insurance, coverage can be nuanced. […]
March 27, 2025
AgencyTop Factors Impacting Your Auto Insurance Cost
Understanding the factors influencing your auto insurance cost can help you make informed decisions and save money. Auto insurance can provide financial protection in accidents, theft or other covered incidents. Still, the cost of this protection can vary significantly based on several key factors. By gaining insight into these factors, you can better navigate the […]
February 26, 2025
AgencyWhat Impacts Your Homeowners Premium and How to Save
When it comes to protecting your home, understanding what influences your homeowners insurance premium is crucial. Knowing these factors allows you to make informed decisions to lower costs while potentially ensuring adequate coverage. Location of Your Home The location of your home significantly affects your premium. Homes in areas prone to natural disasters typically have […]
February 14, 2025
AgencyWhy is it Important to Have Insurance Coverage for Fires?
Natural disasters can strike when we least expect them, and fires, especially wildfires are one of the most unpredictable and devastating especially if you don’t have insurance coverage for fires. In recent years, California has seen the shocking power of wildfires. Entire neighborhoods have been reduced to ashes, leaving families homeless and scrambling to rebuild […]
December 23, 2024
AgencyWhy Is Commercial Property Insurance Necessary?
Commercial property insurance is essential for businesses in , , protecting against risks that could lead to significant financial losses. In the wake of fires, theft, vandalism and other incidents, this insurance can help businesses recover and continue operations after unexpected events. In a region prone to severe weather, having adequate commercial property insurance is […]
October 29, 2024
AgencySpooky Safety – Tips and Tricks for Staying Safe this Halloween
Halloween is a blast, but safety is key to making it a good time for everyone. When carving pumpkins, use a pumpkin carving kit instead of sharp kitchen knives—research shows over 41% of Halloween injuries are from hand cuts, often during carving. For trick-or-treaters, being visible is critical, as pedestrians are twice as likely to […]
July 12, 2024
AgencySummer Claims and Tips
Summer is a time for outdoor fun, but it also brings specific risks that can lead to insurance claims. Understanding common summer insurance claims and policies, along with prevention tips, can help financially safeguard you and your family. Whether you’re firing up the grill, hitting the road or enjoying time by the pool, understanding potential […]