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13 OctUnderstanding Your Insurance Score
Your insurance score is a snapshot of your specific ‘insurance risk’ at a particular point in time – but it is important to know that it is not the same thing as your credit (FICO) score, although they are similar in nature. As a standard underwriting consideration, an ‘insurance score’ is a rating used by insurance companies to assist in determining insurance premiums and which is made up of several factors, just one of which is your FICO score (which is why you and all other members of the policy are often required to provide a social security number when requesting a new insurance quote).
Read More ...14 JanHow a Property’s Reconstruction Cost is Determined
When it comes to determining how much value you should insure your property for, one issue that seems to continually cause confusion and misunderstanding is that of a property’s reconstruction amount, also commonly referred to as its replacement cost.
Read More ...14 JanWhy Price Should NEVER Be The Only Issue
The price of insurance is always a factor in whether or not to purchase an insurance policy, but it should never be the factor. Price is obviously important, but it isn’t nearly as important as the actually coverages you are purchasing to protect yourself and your family.
Read More ...14 JanPremium Financing Explained
Premium Financing (aka Premium Funding) refers to the act of a third party paying an insurance premium for an insured and then receiving back payments plus interest.
Read More ...14 JanInsuring Short-Term & Vacation Rentals
Are you an investor who owns short-term vacation or rental property? Or, are you a homeowner with a nice home located near an area of interest that you lease out periodically for vacationers or weekend travelers looking for a three-day getaway? If so, this question is for you: What’s the difference between a rental home occupied by a full time tenant and another home occupied by multiple tenants, each for a short period of time?
Read More ...11 JanAuto Insurance Made Easy
Although every driver needs it, automobile insurance is one of the most misunderstood forms of insurance commonly purchased and most agents fail to provide their clients with teh right policy and coverages!
Read More ...09 JanFAQ’s (General)
Who Do I Call With a Claim, Service Issues, or Questions? You call us and we’ll take care of whatever it is that you need help with, from mortgagee changes, addition or deletion of properties or policies, coverage changes, proof of insurance, or anything else. In the event of a claim or loss, call us and [...]
Read More ...08 JanUndertstanding Your Insurance Score
Your insurance score is a snapshot of your specific ‘insurance risk’ at a particular point in time – but it is important to know that it is not the same thing as your credit (FICO) score, although they are similar in nature.
Read More ...06 NovCommercial and Business
As a professional brokerage with years of first-hand experience and knowledge in business ownership and liability, we specialize in commercial and business insurance and we have numerous markets and A-rated insurance carriers providing all types of commercial coverages. Below is just a small sampling of the many policies and coverage types that we offer. * [...]
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