Insurance Rates Based on Credit, You Bet!

Insurance Rates Based on Credit, You Bet!

All too often I hear someone tell me, “but my neighbor is paying $300 less than I am and we have the same house!”. In case you didn’t know, one of the key elements that determine your insurance rates are your credit score. So, below are 5 tips I’ve picked up on over...
Sinkholes – Am I Covered?

Sinkholes – Am I Covered?

Answer: A basic homeowners policy does not provide coverage against sinkholes. Solution: A limited number of insurance companies will sell you an add-on (a.k.a an “endorsement”) to your homeowners policy that protects you in the event your home falls victim to a...
Breed Restrictions and Insurance – What You Need to Know

Breed Restrictions and Insurance – What You Need to Know

One of the biggest sources of claims in the property casualty industry is canines. Most insurers now have their own breed restriction lists that will tell you what types of animals will exclude you from being covered in the first place. Here is a list of some of the...
Interview with Greg Devone – Flood Insurance

Interview with Greg Devone – Flood Insurance

I recently interviewed Gregory Devone, President of Franklin Flood, LLC. He gave me some really helpful insight on flood insurance that I wanted to share with everyone. Hope you all enjoy.

Why Do I Need That Much Homeowners Insurance?

Why Do I Need That Much Homeowners Insurance?

One of the most difficult parts of being an insurance agent is sometimes explaining to people the difference between replacement cost and market value. All too often people only want to insure their homes for what they paid for them. However, homeowners policies need to insure homes for 100% of their replacement cost