Personal Insurance

Insurance-to-Value Replacement Cost vs. Market Value — Do You Know the Difference?

insurance-to-value vs. market value. {icture of man holding a small house with paperwork in front of him.

Today, we’ll discuss insurance-to-value replacement cost vs. market value.  Every homeowner needs home insurance. But, this type of insurance can be confusing and leave you asking questions. With defining terms such as insurance-to-value replacement cost, reconstruction cost, and market value, homeowners might be comparing these definitions to the current market value of their homes. The […]

Myths About Life Insurance Dispelled

Family in park, watching a sunset

The idea of shopping for a life insurance policy can seem morbid, suspicious, and confusing. Plus, there are a lot of misconceptions about the value life insurance offers, how to buy it, and what the policy rules are. However, if the idea of protecting your family and ensuring their future is something you do value, […]

Who Needs Umbrella Insurance?

Photo of a woman with children, each carrying umbrellas on a country road.

You may have heard of the term “umbrella insurance policy.” Is this type of insurance something you need to consider as part of your insurance plan? Do you really need umbrella insurance? We’ll answer frequently asked questions about umbrella insurance so you can make informed decisions for your situation.   What is Umbrella Insurance? Umbrella […]

Memorial Day By The Numbers [Infographic]

Memorial Day 2019 Infographic of American flags

While many of us look forward to a nice, long weekend with family and friends, Memorial Day is about much more than that. Aside from hamburgers and cocktails, Memorial Day is a time for remembrance and reflection of the many American lives lost while serving our country. As you celebrate this weekend, be sure to […]

8 Things Homeowners Insurance Doesn’t Cover

Photo of a home with lights on and a wet road -- what homeowners insurance doesn't cover

Looking at the list, it may seem like homeowners insurance doesn’t cover anything at all, but that’s not true! Every policy is unique which is why it’s important to discuss your coverage limits in detail with your agent. Homeowners insurance doesn’t cover most natural disasters, but if your home is damaged, dwelling coverage may help […]

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