Insurance Blog

Insurance 101: Understanding Equipment Breakdown Coverage

Posted By: Amy Casey on August 4, 2020

Believe it or not, in the world of insurance there is coverage for just about anything you can think of! One of the lesser known coverages available to homeowners, business owners and farm owners is Equipment Breakdown Coverage.

Insurance 101: Understanding Auto Insurance Deductibles

Posted By: Amy Casey on April 28, 2020

What is a deductible? This is a very common insurance question and probably the easiest to explain: An auto insurance deductible is what you pay “out of pocket” on a claim.

Insurance 101: The Difference Between Replacement Cost & Actual Cost Value

Posted By: Amy Casey on March 17, 2020

When you select a homeowners policy, or typically any type of property insurance, you’ve got to choose between two coverage options: replacement cost and actual cash value (ACV). What do these mean, and which one should you choose?

Insurance 101: When is a Car Considered Totaled? What Does It Mean?

Posted By: Amy Casey on March 11, 2020

Whether you’ve been in a serious accident or your vehicle was caught under bad circumstances – sometimes it may be considered totaled (or, in insurance terms, a total loss) by your insurance company. But what exactly does “total loss” mean?

Insurance 101: Understanding Your Auto Policy Limits

Posted By: Amy Casey on March 4, 2020

Your coverage limits identify the maximum amount of money your auto insurance policy will pay following a covered loss. Once that limit is reached, you will be responsible for paying any additional costs out of pocket.

Someone Hit My Parked Car, What Should I Do?

Posted By: Amy Casey on February 27, 2020

Talk about a bad day – you’re getting ready to head out and notice your car has recently been sideswiped by another vehicle. There are three basic steps you’ll want to take after you discover someone has hit your parked car:

3 Auto Enhancements You Should Consider

Posted By: Amy Casey on February 24, 2020

We all have our good days, and unfortunately, our bad ones. Sometimes life throws surprises at us that we aren’t prepared for, especially on the road.

Understanding Employee Practices Liability Insurance (EPLI)

Posted By: Amy Casey on September 30, 2019

As a businessowner, you understand there are just some risks you can’t afford to retain on your own. If your business is sued by an employee for discrimination or harassment, the legal costs involved can be quite substantial.

Do College Students Need Renters Insurance?

Posted By: Amy Casey on August 21, 2019

It’s a pretty big deal – leaving the comfort of your forever home for your new college abode. Whether it’s the first time you’ve moved or the tenth, packing up your entire life is quite a job. Your clothes, gaming consoles, furniture, laptop, books, the list goes on.

3 Things to Consider When Selecting Your Insurance Deductible

Posted By: Amy Casey on July 26, 2019

Selecting your insurance deductible can seem a bit stressful, but it doesn’t have to be! Simply put, your deductible is the portion of an insurance claim you agree to pay on your own before your insurance kicks in and picks up their portion.

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