I Had Zero Claims Last Year… Why Is My Insurance Premium Higher?

By austins / February 3, 2023 / Comments Off on I Had Zero Claims Last Year… Why Is My Insurance Premium Higher?

We do our best to keep you as clients up to date on everything that has been happening in the insurance industry. From lumber rates increasing by 167%, to the Missouri flood, the Safeco premium hike, general industry inflation, and much more. We want you to be as up-to-date as we are with what is going on in the industry. As of recently, we’ve had quite a few clients reach out to us with the same question. “I had zero claims last year, why is my insurance premium going up?” We’re going to dive into that question in our February…

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Impact of weather events on your insurance premiums.

Unveiled! How Weather Events Can Make or Break Your Property and Casualty Insurance

By austins / January 30, 2023 / Comments Off on Unveiled! How Weather Events Can Make or Break Your Property and Casualty Insurance

Weather events can have a significant impact on property and casualty insurance premiums and coverage. From hurricanes to tornadoes, floods to fires, extreme weather can cause damage to homes and businesses, leading to increased insurance claims and higher premiums. In this blog post, we’ll take a closer look at how weather events can affect property and casualty insurance and what you can do to protect yourself and your property. The Impact of Natural Disasters on Insurance Premiums: The recent surge in weather-related natural disasters has brought the impact of such events on the insurance industry into sharp focus. Extreme weather…

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Unlock the Secret: How to Use Your Life Insurance to Pay Off Debts and Mortgages in One Fell Swoop

By austins / January 26, 2023 / Comments Off on Unlock the Secret: How to Use Your Life Insurance to Pay Off Debts and Mortgages in One Fell Swoop

The Purpose of Life Insurance Life insurance is an important tool for protecting your loved ones in the event of your unexpected death. However, did you know that it can also be used to pay off debts and mortgages? By naming your beneficiaries as your creditors, the death benefit from your policy can be used to pay off outstanding debts and mortgages, providing financial relief for your loved ones and ensuring that they are not burdened with unpaid bills. Why Use Life Insurance to Pay Off Debts and Mortgages? One of the biggest concerns for many people is the financial…

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Going the Extra Mile: How Umbrella Insurance Can Protect Your Business and Personal Assets

By austins / January 10, 2023 / Comments Off on Going the Extra Mile: How Umbrella Insurance Can Protect Your Business and Personal Assets

As a business owner, you understand the importance of protecting your business assets. But have you considered how to protect your personal assets as well? One solution is umbrella insurance. What is Umbrella Insurance? Umbrella insurance is an additional layer of liability coverage that sits above your other insurance policies. It provides additional protection for situations where the limits of your primary insurance policies, such as your home or auto insurance, have been exhausted. For example, imagine you are hosting a company picnic on your property. An attendee is injured after tripping on a tree root and decides to sue…

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Don’t Risk Your Family’s Future: 4 Unmistakable Reasons to Get Life Insurance Now

By austins / January 6, 2023 / Comments Off on Don’t Risk Your Family’s Future: 4 Unmistakable Reasons to Get Life Insurance Now

Hey there! Are you someone who likes to live life on the edge? That’s great, but there’s one area where it’s important to play it safe: protecting your loved ones with life insurance. Don’t worry, we’re not here to scold you or bring you down. In fact, we’ve got some lighthearted (but totally serious) reasons why you should consider getting life insurance. So let’s have some fun and explore the top 4 reasons why life insurance is a must-have for anyone looking to secure their family’s future. 1. Provide Financial Security for Loved Ones Hey, have you thought about getting…

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Car Crash Insurance Claim

This Single Insurance Mistake Could Be Burning A Hole In Your Wallet

By austins / November 16, 2022 / Comments Off on This Single Insurance Mistake Could Be Burning A Hole In Your Wallet

You pay a good sum of money every year towards insurance so that when you need it, it actually works! However, this doesn’t come without caveats.  Want to know something? Every time you make a claim, whether it be comprehensive or collision, it goes against your insurance record. The more claims you have, regardless of the amount, the higher premiums you receive. If you have too many claims, some carriers will even turn you away! Because of how important this is, let’s talk about the two main types of claims and the right moment to file one. Collision Claims Collision…

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car accident reduced limits

Times are Tough. Here’s Why Reducing Your Policy Coverage Could Harm You.

By austins / November 1, 2022 / Comments Off on Times are Tough. Here’s Why Reducing Your Policy Coverage Could Harm You.

Are you being hemorrhaged by the rising costs of inflation like many others? If so, we hear and understand your concerns. You’re not alone.  With the inflation costs getting higher each month, insurance premiums are steadily following the same pattern. This is one of the reasons we do our due diligence at your renewal time and look at many carrier options to ensure you’re getting the best rate for your coverage. With this being said, the one thing you do not want to do however is reduce your current coverage limits. As American motorists are strained by inflation and the rising cost of…

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insurance halloween tricksters

Tips on Protecting Your Car, Home and Children on Halloween

By austins / October 27, 2022 / Comments Off on Tips on Protecting Your Car, Home and Children on Halloween

Kids love the magic of Halloween, but that doesn’t mean it can’t be a terrifying night for you and your kids. Following these tips will help guarantee a claimless Halloween that everyone can enjoy. When trick-or-treaters are on the nightly Halloween prowl Children are more than twice as likely to be hit by a car and killed on Halloween than on any other day of the year. Lack of visibility due to low lighting at night also plays a factor in these incidents. See these tips below due help keep your children safe on Halloween night:  A responsible adult should…

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The E3 Renewal Survey and Why it Matters

By austins / September 20, 2022 / Comments Off on The E3 Renewal Survey and Why it Matters

We Send Out A Renewal Survey 60 Days Before Your Upcoming Personal Insurance Renewal The surveys are designed to keep showing up in your inbox until they’re filled out. Why You Ask? There are 2 reasons: 1. Get the most updated info to assist with alleviating premium at renewal. 2. Double-check to make sure you’re not unprotected from a room renovation, jewelry, new deck, pool, etc., and add additional coverage for new exposures if needed. What Is the Survey? The survey is a series of questions designed to gather any new information or changes that may have occurred in your daily life. The…

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10 Surprising Factors Affecting Your Car Insurance Rates

By austins / September 15, 2022 / Comments Off on 10 Surprising Factors Affecting Your Car Insurance Rates

10 Factors That Affect Your Car Insurance Rates 1. State Requirements 2. Age 3. Car Make and Model 4. High-Risk Violations 5. Yearly Mileage 6. Credit History 7. Driving Record 8. Zip Code 9. Marital Status 10. Gender Some of the factors that affect car insurance rates are within your control, such as your credit history and whether you’ve ever been convicted of drunk driving. Other factors are at least largely out of your control, like your city’s population density and your age. Your Insurance Score – What’s that? Also called an insurance credit score – is a numerical point…

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