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The term “100-year flood” means a flood event might occur only once every 100 years, “500-year flood” once every 500 years, and a “1000-year flood” once every 1000 years.   FALSE. These terms, from the 1960s, are rather outdated and misleading misnomers. READ MORE >>

As you shop, a driver sideswipes your vehicle in the parking lot. They leave. What are your options? Private property damage is not uncommon. It can occur at your home, in a parking lot, or just about any other location. The police may be able to help. Your auto insurance agent can help you, too, depending on the type of insurance you have. READ MORE >>

In most situations, obtaining financial support from your home insurance policy is straightforward. If something happens, you file a claim with your agent. Your agent processes this information with the insurer directly. They provide you with a check for the damages. However, there are times when a denial can occur. READ MORE >>

People who live along the coastline or in tropical climates are at a high risk for flooding, but those who live inland do not really have to worry much about it.   FALSE.  Flood Disasters in Inland States are more common than you might think. READ MORE >>

Drivers want low auto insurance rates. No one wants to overpay for them. Yet, rates vary significantly from one driver to the next. They also vary by location. If you paid one rate in New York, you may pay less if you lived in Vermont. Rates can even vary from town to town, from neighborhood to neighborhood. READ MORE >>

Business insurance providers often offer discounts for safe, secure operating facilities. Facility safety doesn’t stop at the door, however. Today’s business owners are outfitting their commercial fleets with safety technology. This leads to their saving money on their insurance plans in the process. READ MORE >>

Following up on the last blog, instead of crashing into a tree, your out-of-control crashes into your neighbor’s 2018 Lexus, causing a good bit of cosmetic damage, scratches, dents, etc. Will your homeowners policy pay for the damages to the Lexus? READ MORE >>

Keeping your home in good condition is a goal and responsibility of every homeowner. You have home insurance to help minimize losses that you cannot prevent. This type of policy covers unexpected and accidental risks. It does not cover incidents that result from the normal wear and tear of your home. READ MORE >>

Drones are also called unmanned aircraft, unmanned aerial vehicles (UAVs), unmanned aircraft systems (UASes) or flying robots. You have purchased a $1,000 drone just to have fun with. While flying the drone one afternoon, it gets out of control and crashes into a tree and is a total loss. READ MORE >>

There are many ways to save money on auto insurance. Many vehicle owners assume they will get the lowest rate available as soon as they request a quote. That is not always the case. Being a smart driver means knowing what discount options are available to you. You may find a wide range of savings opportunities to help reduce your premium. READ MORE >>

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