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Insurance Terms

What is Firearms Liability Insurance and do I need it?

A look at the financial exposures when a law-abiding citizen is actually forced to use a gun to protect his/her self, a loved one, or their personal property

Thanksgiving - a Time for Family, Turkey and… Household Fires?

The threat of fires in the kitchen triples on Thanksgiving Day. Keep your family, your home and your bird safe from harm.

What You Need To Know About a BOP

Are you a business owner? Are you, your business and employees properly insured? Learn what a BOP is and what insurance you need for your individual business.

How does credit affect insurance rates?

Most auto and homeowners insurance companies use a type of creditscore, known as an insurance score or a credit-based insurance score, todetermine a policy cost and terms.

4 Must Know Insurance Terms

Insurance Terms 101: Why do I need to know insurance terms?

Do You Track and Document Your Home Improvements and Repairs? You Should!

Is your homeowner's policy up for renewal? Don't forget to track and document all your home improvements and repairs!

Who needs Errors and Omissions (E&O) Insurance

Why Do Individuals and Companies Need E&O Insurance? Because We All Make Mistakes.

What is an Annuity?

Annuities are designed to grow investment funds over a long period and produce a steady income during retirement.

Insurance Grace Periods

It is important to review your coverage and learn of the specific grace periods surrounding your individual policy.

What is Insurance Underwriting and Why is it Important?

The underwriting process determines how much premium, or money, an insurance company should charge for that policy.

What Is An Insurance Binder?

Binders are temporary contracts that declare a policy is in effect.

Occurrence vs Claims Made Insurance Coverage

The differences can exist in personal insurance, but when applied to commercial coverage, especially general and professional liability, the contrasts are distinct and often costly.

Replacement Cost Vs. Actual Cash Value?

Realistic consumers must plan for potential insurance claims by determining and evaluating the difference between these two types of coverage: Replacement Cost and Actual Cash Value (ACV).

8 Reasons to Use an Independent Insurance Agent

Sleep better knowing an Independent Insurance Agent is on your side.

Get an Insurance Quote Now! Online or directly with a Member Agent.

Recent Posts

What is Firearms Liability Insurance and do I need it?

A look at the financial exposures when a law-abiding citizen is actually forced to use a gun to protect his/her self, a loved one, or their personal property

Is Primary Flood Insurance Enough? Maybe Not.

What is excess flood insurance and what you need to know about this unique product. 

Identity Theft: How to Protect and Detect

We have become so used to everyday conveniences - public Wi-Fi in our coffee shops, malls, airports and restaurants; banking in the palm of our hand and access to shopping at any hour. The on demand world we live in can be beneficial and time-saving, but can also severely damage our identity including our finances, credit and more. It’s crucial to have a plan in place for protecting your identity with active monitoring to detect any suspicious activity before it can cause long lasting effects.

Thanksgiving - a Time for Family, Turkey and… Household Fires?

The threat of fires in the kitchen triples on Thanksgiving Day. Keep your family, your home and your bird safe from harm.

Cyber-attacks and Data Breaches. Not Just for Big Businesses.

Did you know 60% of all cybercrime is directed at small businesses? In fact, According to the National Cyber Security Alliance, one in five small businesses falls victim to cybercrime each year. And of those, some 60 percent go out of business within six months after an attack.

Insurance Life Cycle Infographic

An infographic on the insurance you need for each life event

5 Ways to Lower Insurance Costs for Teens

Sticker Shock when insuring a teen driver is common, but how can you and your teen save?

What You Need To Know About a BOP

Are you a business owner? Are you, your business and employees properly insured? Learn what a BOP is and what insurance you need for your individual business.

Is umbrella insurance right for you?

Why put your assets at risk? With an umbrella policy you can protect yourself and your family with a minimal investment.

Moving soon? Why you need renters insurance!

Renters insurance covers more then just your personal belongings.

Do you have your auto insurance and home insurance through the same company? There’s a discount for that!

Get insurance discounts by bundling your home and auto coverage plus…

Why do I need to inventory my property?

Do you keep a home inventory list? These apps will help you file an insurance claim when unforeseen events occur.

Summer is in full swing – are you getting the most out of the boating season?

Boaters would argue that they take better care of their boats than do car owners of their vehicles. Are you one of them?

How does credit affect insurance rates?

Most auto and homeowners insurance companies use a type of creditscore, known as an insurance score or a credit-based insurance score, todetermine a policy cost and terms.

4 Must Know Insurance Terms

Insurance Terms 101: Why do I need to know insurance terms?

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