Insurance Blog

Couple, Laptop, Reading laptop, Smiling Couple

Insurance 101: Understanding Basic, Broad and Special Perils Coverage Types

Posted By: Amy Casey on May 10, 2021

When structuring your insurance policy with your local independent agent, the coverage type selected plays a significant role in determining the extent of coverage provided for your property. “Basic”, “broad”, and “special” coverage types are very different from one another.

Fire station, fire department

Insurance 101: Understanding Your Home’s Fire Protection Class

Posted By: Amy Casey on April 14, 2021

Insurance coverage is all about providing you with the best possible protection for your assets. One risk every homeowner is aware of is the potential for a home fire, but did you know your home’s unique location actually receives what we refer to as a “Fire Protection Class Rating”?

Tree Damage, Severe Weather, Storm Damage

Insurance 101: What if My Neighbor’s Tree Falls in My Yard?

Posted By: Amy Casey on March 10, 2021

Sometimes one strong storm is all it takes to bring down a perfectly healthy tree, and sometimes when a tree falls, it falls in a very unfortunate place. Common damages caused by trees include damage to fences, vehicles and roofs.

Sold, Home Buying, House, First-Time Home Buyers

Insurance 101: A First-Time Homeowners Guide to Choosing a Homeowners Policy

Posted By: Amy Casey on November 6, 2020

You did it - you officially purchased your first home! There are so many joys that come along with becoming a homeowner, along with a new set of responsibilities. One of those responsibilities is to make sure your home is adequately covered with a homeowners policy.

Agent, Independent Insurance Agent, Greeting

Insurance 101: What is an Independent Insurance Agent?

Posted By: Amy Casey on September 22, 2020

Insurance agents still play a very important role in helping consumers find a policy that meets their needs. When you get a quote online, and confirm your policy with no human interaction whatsoever, do you think that policy has your best interest in mind?

Appliances, Equipment,

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.

Row of Cars, Vehicles, Mercedes-Benz

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.

Living Room, Couch, Chair

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?

Totaled Car, Car Accident, Vehicle Damage

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?

Two Women, Sitting, Outdoors, Car Roof

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.

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