Whether you have a brand new car or a “new to you” car, you must protect yourself, others, and your investment with auto insurance. Low rates are important, but cheap means nothing if your policy won’t cover you if an uninsured driver hits you, you’re in an accident, or the victim of a wayward grocery cart. Sure, buying the minimum coverage will save you money, but it won’t save you anything if you have a claim. A study by InsWeb.com found drivers saved more than $300 on policies when they switch. That shows you have to shop around regularly. As brokers – that’s our job and we’ll be glad to do the legwork for you!
Your home is probably the biggest investment you’ll ever make. If you’re like most homeowners, you probably have the same policy you did when you first bought your home. If you’re a renter, your landlord’s policy won’t cover your stuff. Condo owners: Your association will have a master policy that covers, usually, from the walls out. From the walls in will be your responsibility. For all types of homeowner’s policies – do you know what guaranteed replacement coverage means? You should and we can explain it.
If you make it through that car accident and your house burning down, you might think you’re pretty lucky. But that luck will run out eventually. You don’t want to leave your family destitute at your death, hounded by debt collectors, needing to sell the family farm just to pay for food. That’s where life insurance comes in. Not all life insurance is bad, it can be a blessing, but a pushy salesperson who preys on your emotions might take you for more than you can afford and a policy that doesn’t fit your needs doesn’t help anyone. Let us make sure you have the right plan for the right amount at the right price.
Commercial insurance is one of the most important investments you can make in your business. Good insurance will protect your company from severe financial loss and can mean the difference between closing your doors and staying afloat in the face of damages or a lawsuit. You need business insurance to cover acts of God and general liability. Fires and car accidents happen; people slip, fall, get sick, or worse. And all of these things can happen in your business. All businesses, regardless of size, need business insurance.
When Medicare introduced Part D coverage to pay for prescription drugs in 2006, it gave seniors a golden opportunity to save money. The law offers Medicare beneficiaries a dizzying array of options. They can choose from dozens of Part D prescription-drug plans to supplement Medicare, or they can opt out of traditional Medicare and enroll in a Medicare Advantage plan to get both medical and drug coverage from a private insurer. All of the new choices have resulted in an immense amount of confusion. Working with a broker who can shop several insurance companies and plans means we can help!
No one wants to become unable to care for themselves, but it’s likely, with studies showing a 70% chance you’ll need some kind of care after age 65. Long-term care insurance will help pay the bills should you need care. And this kind of care isn’t just for seniors. You could be in an accident or have a debilitating illness and need help. 40% of those who receive long-term care are under 65. According to the American Association for Long-Term Care Insurance, the average need for care is over 1,040 days – over two and a half years! So who pays? You will, unless you have long-term care insurance.