Why is my $100,000 house insured for $200,000?

If you have never worked in insurance before you may be under the impression that an insurance agent’s main job is to sell insurance. That would be an understandable, yet wrong, assumption. I am well into my second decade in the industry now and if there’s anything I’ve learned it is that my main job […]

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Why is my insurance policy 40 pages long and do I really have to read it?

First off, if your insurance policy is 40 pages long then count yourself fortunate. We have had occasion to review commercial policies that range into the hundreds of pages, but don’t feel sorry for us (like that would ever happen—we’re insurance agents!) But why are they so loooong? There are a lot of reasons, but […]

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I Need a New Roof. What Do I Do?

In a world of perfect honesty there would be a lot of discussions like this: “Help. I need a new roof and I don’t have $9,000 sitting in the bank to pay for it. What should I do?” and a helpful, painfully frank voice would answer, “just wait for it to blow off and turn […]

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STOP Dryer Fires

Did you know that one of the most frequent causes of fires is the combustion of lint buildup inside of dryer vent hoses? As an insurance agent, I see all the statistics but it is REAL EXPERIENCE that truly catches ones attention. I have personally seen several fires occur in nice, well maintained, superbly constructed […]

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