Insurance Agents There are two types of insurance agents, Captive insurance agents, and independent insurance agents. Captive Insurance Agents Captive insurance agents are agents that work with and for one company. They are usually employees or subcontractors of that insurance…
Uninsured or Underinsured Motorist Uninsured or Underinsured Liability Coverage is a coverage you have on all auto insurance policies both personal and commercial. It is liability protection now to protect you in the event you’re in an accident and you’re…
Closing on a new house? Paying off a mortgage? Trying to move your home insurance before the renewal date? These are all questions or reasons why you might be wondering, how does my escrow account work with my homeowner’s insurance.…
Medical Payments Things can happen, sometimes through no fault of your own, and someone gets hurt on your property. Medical payments coverage is built to handle those small claims that may arise when a person is hurt while on your…
Should I file a claim? We get this question all the time as an independent insurance agent. If I file an insurance claim, are my rates going to go up? What will my new premiums be if I file this…
What is a deductible? On your personal insurance, your auto insurance, and your home insurance, you have deductibles. A deductible is what you have to pay out of your pocket initially before the insurance company is going to pay any…
Rental Car Coverage We understand, you purchased rental reimbursement coverage when you bought your auto insurance policy. Your car breaks down and needs to be in the shop for a few days and you want to use that coverage to…
Insurance when renting a Vehicle If you are in the state of New York, you may know that when you rent a car, whether on vacation or to drive locally while your car is getting fixed, that you most likely…
Auto Insurance Rates Auto insurance rates have been steadily increasing year after year. Many factors are causing this but the most important thing to remember., insurance companies are a for-profit business. If they lose money or have a bad year…
Umbrella Insurance Accidents happen, and almost as frequently these days, so do lawsuits. The average settlement award has skyrocketed over the past decade and there is a chance that your automobile or homeowner’s coverage won’t provide enough coverage to adequately…
