How does LOSS OF USE insurance work?

This week’s question is actually one we had to ask ourselves!   Our office is in the Remington Tower, which was hit by a tornado August 6.  The tower had many windows broken out, rain blew in causing water damage and

Posted in Business Insurance, General Insurance Concerns, Homeowners, Questions This Week

Question this week – Do I have Towing & Roadside Assistance?

I was at a party last weekend and someone there locked their keys in the car.  The party was winding down – a little before midnight.   Being an insurance agent my immediate question was do you have towing on

Posted in Auto Insurance, Questions This Week

PREDATORY ROOFER ALERT!

PREDATORY ROOFER ALERT! Please heed this warning!  We’ve recently had some high winds and in a few areas hail. If a friendly roofer shows up at your home offering a free inspection of your roof, DO NOT let him on

Posted in General Insurance Concerns, Homeowners, Questions This Week

Question this week – something was stolen from my car!?!

Any personal possessions you have in your car are not covered under an auto policy.  However, your homeowners (or renters) policy does cover your personal property when you take it with you – on vacation, in the car, etc.  We advise

Posted in Auto Insurance, Homeowners, Questions This Week

Question this week: What happens when I switch homeowners insurance?

Can I switch my homeowners insurance? Will it hurt my escrow account? Most of us pay our home insurance and property taxes through our mortgage.  Here is what happens with your Mortgage Escrow when you switch to a different insurance

Posted in General Insurance Concerns, Homeowners, Questions This Week

Question this week – Does my credit affect my insurance rate?

Absolutely YES!   You could live next door to someone your same age, exact same house and cars and driving record but different credit scores and you’d be surprised at the rate difference good  (or bad) credit will make.   Insurance

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Question this week – Why is my IRA not growing?

A customer has an IRA in a local bank.  The market has been on the rise of late so why is the account not getting bigger?  It turns out that the bank had the money parked in an account which was

Posted in Questions This Week

I had a wreck – how do I get the police report?

This week’s question we get quite often – How do I get the Police Report of my accident? When you are involved in an accident, exchange names, phone numbers and insurance information with the other driver.   We recommend taking a

Posted in Auto Insurance, Questions This Week Tagged with: ,

Question today – Do I need rent car insurance?

I’m renting a car – do I need to buy the rent car company’s insurance? This question is complicated.  The Liability, medical, comprehensive and collision coverage on your policy will cover while driving the rent car.  However… we recommend and

Posted in Auto Insurance, Questions This Week

Question today – My Insurance Policy Expires Today

My Insurance Policy Expires Today – Can I Start the New One Tomorrow? The industry standard is that insurance starts at 12:01 am on the effective date of coverage.  Likewise when a policy expires or you cancel it, the cancellation

Posted in Auto Insurance, General Insurance Concerns, Homeowners, Questions This Week