Whether it is a new work-from-home setup, a new child care plan, or additional personal protection and social distancing, we’ve all be impacted by the pandemic known as the Corona virus. The real question is, how are we impacted? In many cases where your income and ability to pay the bills has been affected, relief can be found through your insurance provider.

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Hit & Run

Posted by April Clemons on 12 Nov

You were in an accident. Everyone is ok, but instead of stopping, the driver of the other vehicle just drove away! Is it covered? It depends on what type of coverage you purchased for your vehicle.

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Estates

Posted by April Clemons on 29 Oct

Home and auto insurance are the last things you want to think about when a loved one passes, but you don’t want to forget about it in the process of establishing the estate. First, the executor of the estate should have paperwork available to the agent to make changes and cancel the policies.

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How's my driving?

Posted by April Clemons on 15 Oct

Most people know that carriers provide discounts for being accident and violation free, but did you know that you may earn additional discounts for your safe driving habits with new driver monitoring apps? These programs are known in the insurance industry as telematics.

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No one wants to pay for a vehicle they no longer drive, yet many of us purchase vehicles for more than their actual cash value, leaving us with the potential to be paying on a loan for a vehicle that is totaled.

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Home-Based Business

Posted by April Clemons on 11 Sep

According to Small Business Association statistics, 50% of small businesses are home-based. While not all of these businesses have inventory or foot traffic, all have some type of exposure that may or may not be covered on the homeowner’s policy. 

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Homeowners insurance is not designed to cover the land where your home sits. This can leave you unprotected from

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Liability insurance typically follows the vehicle rather than the driver. This means that if you allow someone to borrow your car and there is an accident, your insurance will respond as if you were driving. You do not have to contact your agent each time someone borrows your vehicle. Coverage is available automatically for non-residents of your household including family, friends, and co-workers who have a valid license.  

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Backed up sewers can cause thousands of dollars in damage to walls, floors, electrical systems and personal property. Water backup coverage is not typically covered on a homeowner’s policy unless it is added. Even policies that automatically include this coverage usually have lower limits than what may be recommended for your home.

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