Homeowners: What is Dwelling Coverage?

Dwelling coverage (Also referred to as Coverage A or Structure coverage depending on the policy or company) is easily the thing we discuss the most with our insureds. Mainly because determining the replacement value of the dwelling is one of the most. . .



What Can Impact My Insurance Rates?

At some point in your lifetime, you have heard the various reasons your car insurance can go up or down in price. From the 16-year-old male driver to the bright red sports car. Guess what? There is a lot truth to this. Here is. . .



What does my Home Insurance policy cover?

This week we are breaking things down. Insurance is confusing, let us be honest about that. We do this day in and day out so for us, we get used to talking about all the insurance jargon and sometimes… we assume you. . .



Should I Work With An Insurance Agent?

Doctors Engineers Accountants What do these three have in common? They are experts in their fields. They have studied, practiced, and studied more to become experts. What does this have to do with insurance? Well… we have done the same thing. We study, we practice, and we. . .



Preferred & Standard, or Surplus & Non-Standard? That is the question.

In a perfect world, everyone’s property is pristine, well updated and without any liabilities. Unfortunately, this is not the case. For various reasons. But first, how about we dive into the difference between standard carriers and surplus carriers (non-standard). Standard carriers are “admitted” to offer a certain. . .