Replacement Cost vs. Actual Cash Value (New for Old)
You start a load of laundry and head down the road for a neighborhood barbeque. Upon returning, you find water all over your laundry room and into your carpeted hallway.…
Full Coverage Auto Insurance
One of the most common requests we receive as insurance agents from clients seeking auto insurance, is a quote for ‘full coverage’. What does that even mean? I have been…
Home Sharing Coverage Issues
I’m still living in my home, so why do you need to know that I’m also renting it out? Unfortunately, this seems to be a common question ‘after’ a claim,…
California Auto Insurance Reform
The news has been busy recently with photos of Gov. Gretchen Whitmer on Mackinac Island signing into law the long-awaited and strongly controversial auto insurance reform bill that will drastically…
You Have No Coverage
We understand how upsetting it can be for a client who has paid premiums for years with no claims, to turn one in and hear that it’s simply ‘not covered’…
Do I Need To Insure My Bike?
Quiz: Do you know what a Pinarello Bolide, Dogma F8 Xlight, or a Cervelo P5 is? Second Question: Are you aware that they can cost you upwards of $10,000…
Understanding Ordinance and Law
What is Ordinance and Law? A frequently misunderstood coverage, ordinance and law is a property coverage issue that can be costly to owners of homes or commercial buildings that suffer…
When Generations and Families Mix in the Workplace
As a Generation X employer, hiring and mentoring millennials makes for interesting situations; but when that millennial is your son, it makes for an even more unique scenario. I struggled…