Blog
Am I in a Flood Zone? Understanding Your Risk and Insurance Needs
Flooding is the most common and costly natural disaster in the United States—yet it’s also one of the most misunderstood when it comes to insurance coverage. Many homeowners assume they’re safe if they don’t live near a body of water, or that their homeowners...
What to Do If Your Home Is Damaged: A Step-by-Step Insurance Guide
Your home is more than just a place to live—it’s likely one of your biggest investments. When disaster strikes—whether it's a burst pipe, a fire, or storm damage—the aftermath can feel overwhelming. Knowing what to do immediately after the damage occurs can make all...
How Your Driving Record Really Affects Your Car Insurance Rate
When it comes to determining how much you pay for car insurance, one of the most influential factors is your driving record. Insurance companies view your past behavior behind the wheel as a strong indicator of how risky you might be in the future. The better your...
Is Replacement Cost or Actual Cash Value Better for Your Home?
When choosing a homeowners insurance policy, one of the most important decisions you’ll make is how your home and belongings are valued in the event of a loss. The two most common valuation methods are Replacement Cost (RC) and Actual Cash Value (ACV). While they may...
What to Do If Your Car Insurance Claim Is Denied
Filing a car insurance claim is usually a straightforward process—until it’s not. If you’ve recently been in an accident and your insurance claim was denied, you’re likely feeling frustrated, confused, and unsure of what to do next. The good news? A denial isn’t...
Federal vs. Private Flood Insurance: What’s the Difference?
Flooding is one of the most common and costly natural disasters in the United States—and yet it’s rarely covered by standard homeowners or renters insurance policies. To protect your home and belongings from flood damage, you need a separate flood insurance policy....
10 Essential Home Maintenance Tasks Every Homeowner Should Do Year-Round
Owning a home comes with a long list of responsibilities, and one of the most important is regular maintenance. Keeping your home in good shape not only improves its curb appeal and functionality but also helps avoid costly repairs down the road. While some...
Top 5 Mistakes First-Time Homebuyers Make and How to Avoid Them
Buying your first home is an exciting milestone, but it can also be a stressful and overwhelming process. With so many decisions to make and steps to follow, it's easy to slip up. While every homebuying experience is unique, there are some common mistakes first-time...
What Happens to Your Auto Insurance After an Accident?
Getting into a car accident can be a stressful and overwhelming experience, but it’s important to know how your auto insurance will respond once the dust settles. Whether you’re at fault or not, your auto insurance policy will play a major role in determining how your...
What to Know About Auto Insurance for Teen Drivers
When your teen gets their driver’s license, it’s a moment of pride and excitement. However, it’s also a reminder that auto insurance just became a bit more complicated. Insuring a teen driver is often more expensive than insuring an experienced adult, and for good...
How to Prepare Your Home for a Flood: Tips for Reducing Damage
Floods can strike unexpectedly, leaving devastating damage in their wake. Whether you're living in an area prone to flooding or have recently been warned of heavy rains, it's essential to take proactive measures to protect your home. By preparing in advance, you can...
Top 5 Myths About Flood Insurance You Need to Stop Believing
Flooding is one of the most common natural disasters in the U.S., yet many homeowners remain underinsured or completely unaware of the risks that flooding poses to their property. When it comes to flood insurance, a lot of misinformation circulates, leading homeowners...
How to Review and Update Your Homeowners Insurance Policy Annually
Homeowners insurance is a crucial component of protecting your home and belongings, but it’s not a set-it-and-forget-it type of coverage. Regularly reviewing and updating your homeowners insurance policy is essential to ensure it continues to meet your needs and...
How Your Credit Score Affects Your Auto Insurance Rates
When you’re shopping for auto insurance, you might focus on factors like coverage types, deductibles, and premiums. However, one aspect that often flies under the radar is your credit score. Many drivers are surprised to learn that their credit score can significantly...
Why You Need Flood Insurance: Understanding the Risks and Coverage
When it comes to safeguarding your home and belongings, flood insurance is a critical yet often overlooked aspect of comprehensive protection. While many homeowners are familiar with basic property and auto insurance, flood insurance can be a crucial addition to your...
Flood Insurance vs. Homeowners Insurance: What’s the Difference?
When it comes to protecting your home and belongings, homeowners insurance and flood insurance are both essential, but they serve different purposes. Many homeowners mistakenly believe that their standard homeowners insurance policy covers flood damage, but in...
The Role of No-Fault Insurance: What It Means for Drivers and Claims
Navigating the world of auto insurance can be complex, especially when it comes to understanding the various types of coverage available. One type of insurance that often comes up in discussions is no-fault insurance. While it’s not universally applicable across all...
Assessing The Benefits Of Telematics And Usage-Based Insurance
UBI and telematics are innovative solutions that can help insurers personalize insurance premiums based on driving behavior. They have the ability to safeguard against unforeseen circumstances, although their capabilities and restrictions are uncertain.