Not Licensed In That State
Insurance agents must be licensed in every state they place business in. Often times an agent will not be licensed or have the carrier options outside their home state. This becomes an issue when your …
Michelle Hirsch
Phishing Scammer Steals Deposit
Hackers are getting more sophisticated by the day. Having the proper protection to come to the rescue in times of a breach is priceless. Several of our carriers offer a standalone personal cyber policy that …
Do You Need Earthquake Coverage?
Do your clients have earthquake coverage in their homeowner’s insurance policies? A select few may, but most policies exclude damage caused by earthquakes. Some carriers offer earthquake coverage that can be purchased as an endorsement …
Is Your Auto Insurance Premium Up to Date?
Accidents and traffic tickets happen to the best of us, and it can be costly in more ways than one. But no one should pay specialty market insurance rates longer than they have to. A …
All-Needs-Covered Insurance: Rental Car Coverage
Most carriers offer a nominal per day rental car limit that may only cover a compact size car. Would that be enough for your needs? One of our clients was involved in a car accident …
How to Protect Investments While Paying Medical Bills
With over 3 million car accidents happening each year in America, the possibility of unexpected medical expenses should be on everyone’s mind. If a client is involved in an accident with an uninsured or underinsured …
Disaster Coverage: Total Loss Home Insurance & Cash Out Options
When a total loss occurs, our clients want the option to rebuild their home or take a check and move on. One of our clients had been wanting to move to Florida for years, but …
Uninsured Motorist Coverage for Lost Wages from Car Accidents
I have two clients who are young professionals with significant future earning potential. However, their umbrella policy didn’t include uninsured/underinsured motorist coverage.If someone were to hit them and they couldn’t work, they would want to …
Even Renters Need Umbrella Liability Coverage
With no car and a simple apartment, Andrew, the adult child of significant family wealth, thought he didn’t need any insurance. But that’s not the case at all! While a renter’s policy will help with …
How to Lower Your Homeowners Insurance Premium
Though a successful client had never turned in a claim for anything under $10,000, they had left their homeowners policy deductible at $250 for many years. But by having their deductible so low, they were …