Comprehensive vs. Collision Auto Coverage: What do These Policies Cover?
Despite what you might see on commercials, price isn’t the only difference in auto insurance policies. What they cover can be a big difference too. And while you probably know there can be differences in...
Understanding Ordinance and Law Coverage for Historic Buildings
Older and historic buildings are a piece of history. Often, they can be a significant part of a town’s culture. If you own an older or historic building – whether it’s a home or business...
Helping Prepare Your Home for Risks of the Fall Season
There are definitely fans of the Fall season out there. Football, holidays, and cool weather are on some people’s list of favorite things. In our region, the turning leaves, crisp weather, and seasonal décor make...
What is Total Insurable Value (TIV), and Why Should it Matter?
Have you ever heard the words “Total Insurable Value” (TIV) and wondered how that was different than what you were already insuring? You’re not alone, as it can be a little confusing. TIV (sometimes called...
Do Your Insurance Needs Change When You Move?
There are a lot of things to think about when you’re moving. Packing, cleaning, movers, vehicles, coordinating utilities, and more. Insurance is probably not one of the things at the top of your list. But...
Why Would Your Business Need Inland Marine Insurance?
The name “Inland Marine” is sort of a misnomer and doesn’t really give us a good idea of what this coverage may help protect. The term originated when businesses were moving cargo primarily by ships...
The Insurance Needs of Charities and Nonprofits
Charities and nonprofit organizations are often vital parts of the communities they serve. The services and resources they provide can be instrumental to the health, well-being, and support of hundreds of people. But even with...
Wedding Season Doesn’t Have to be Risk Season
Are there upcoming nuptials on your schedule? Planning a wedding takes a lot of time – and often – a lot of money. In fact, the average U.S. wedding cost is now around $28,000 according...
How is a “Protection Plan” Different Than Insurance, and How Can One Help Cover You?
Whether you’ve seen it on the news, read about it, or just seen it in your own policy renewals – insurance prices are up right now. We’ve discussed the marketplace impacts that have caused these...
Coinsurance, Deductibles, Copayment, and What to Know About the Differences
You’re likely familiar with having a deductible on your insurance policy. It’s the amount of money you’re responsible for before the insurance policy pays its part of your claim. Many of us learn this when...