Tuesday, June 9, 2015

Are Motorized vehicles(ATV's, Scooter's, Golf Cart, dirt bike etc) covered by homeowner policy?

Homeowner policies "typically" are limited to motorized vehicle's used to service the premise(lawn tractor, mower, tiller etc).  Homeowner companies simply do NOT cover motorized land vehicles used OFF the insured's premise. READ MORE >>

Wednesday, June 3, 2015

Rental Car coverage

A recent question, during an auto claim, will my auto policy pay for a Rental Car while car is in shop for repairs.  Most companies offer this coverage for a small fee per car with full coverage. READ MORE >>

Saturday, March 28, 2015

How much life insurance do I need?

A great question often asked is how much LIFE insurance should I obtain?   There are methods, life insurance needs analysis,  to figure this out; however I like to keep it simple. READ MORE >>

Wednesday, February 4, 2015

Auto Full Coverage

Does automobile Full Coverage mean a person is covered for EVERYTHING?  Absolutely NOT!  ALL Auto policies have limitations. READ MORE >>

Thursday, January 22, 2015

Flood Insurance Facts

Flood policies do NOT cover finished basements.  Some of the items covered by Flood policies:  Drywall for walls and ceilings(not taped), cleanup, furnace, hot water heater, circuit ... READ MORE >>

Thursday, January 22, 2015

Flood Insurance Facts

Flood policies do NOT cover finished basements.  Flood policies only protect basements for cleanup, furnace, hot water heater, circuit breaker box, deep freezer(not a fridge) and perhaps washer and dryer. READ MORE >>

Saturday, January 17, 2015

Sewer line collapse from home to the street

If a sewer line, extending from house to the street, collapses due to settling or tree roots is this type of loss covered by a homeowner policy?  Unfortunately, typically the answer is NO. READ MORE >>

Friday, December 26, 2014

What limits of auto liability limits should I carry?

Is 25/50/10 enough or should go with 50/100/50, 100/300/100 or 250/500/250 limits?  This agency recommends "higher the better", we all have seen 2,4 or 6 car pile ups on highways or the news. READ MORE >>

Thursday, October 23, 2014

What does Open Enrollment for Affordable Care Act mean?

THE Affordable Care Act(ACA) open enroll period for 2015 means an applicant MUST sign up during the period of (11-15-14 till it's last day of 2-15-2015) to obtain an ACA policy effective in 2015. READ MORE >>

Thursday, October 23, 2014

What does Open Enrollment for Affordable Care Act mean?

THE Affordable Care Act(ACA) open enroll period means an applicant MUST sign up during the period of (11-15-14 till it's last day of 2-15-2015) to obtain an ACA policy effective in 2015. READ MORE >>