What is your most valuable asset? It is not your car. Or even your home, or any other personal possession. The most valuable thing you possess is your ability to continue to earn income. So why do we often take the time and pay the premium to insure our homes and our cars, but not … Read more →

There are typically three ways you can purchase insurance coverage:   1)      On the internet 2)      A captive insurance agent 3)      An independent insurance agent   On the internet, you are generally being offered coverage from only one insurance company.  That company is not located in your neighborhood.  It is not part of your community.  … Read more →

Why does your insurance agent ask for your social security number? It has been proven that there is a definite correlation between people who are a credit risk and a higher than average incidence of insurance claims.  An insurance score is based on your credit and the likelihood that you will file a claim within … Read more →

It happens all of the time. You’re frustrated with the cost of your home or auto insurance policy and start looking around. Eventually you get a quote either from an agent or on the internet that looks like it will save you money. What exactly did you just buy? How does the policy you found … Read more →