Premiums are set and protections matter

Surprise—Your Homeowners Insurance Doesn’t Cover EverythingYou’ve got homeowners insurance. Great! That means you’re covered for just about anything that could go wrong… right? Not exactly. The truth is, while homeowners insurance covers a lot, it doesn’t cover everything—and some of the most common and costly issues fall outside a basic policy. Unfortunately, many people don’t […]

Let’s be honest: most of us buy car insurance because we have to. But when it comes to understanding what we’re actually paying for? That’s where things can get a little fuzzy. Between liability, collision, comprehensive, and a handful of other terms, it’s easy to feel like you’re just crossing your fingers and hoping you’re […]

Life insurance isn’t exactly a fun topic—but it’s one of those things that, when you need it, you’re really glad you have it. That said, a lot of people wonder if it’s something they actually need right now, or if it’s something they can deal with later. Spoiler: You might need it more than you […]

Let’s face it—shopping for insurance isn’t most people’s idea of a good time. Between the endless policy options, confusing terms, and pressure to make the “right” decision, it’s easy to feel overwhelmed. That’s where an independent insurance broker can make all the difference. Unlike agents who work for just one insurance company, we work for […]

Thinking About Bundling Your Insurance? Here’s What You Need to KnowIf you’ve ever seen those ads promising big savings when you bundle your home and auto insurance, you’re probably wondering—is it actually worth it? The short answer: it can be. Bundling can lead to real savings and fewer headaches when it comes to managing your […]

Is Gap Insurance Worth It? Here’s What You Need to KnowYou just bought a new car, signed the paperwork, and drove it off the lot. Everything feels great—until you realize your shiny new ride has already lost value the moment you hit the road. Now, imagine if your car got totaled tomorrow. Your auto insurance […]

Ever Wonder Why Your Insurance Costs What It Does?You’re not alone. Whether it’s your car, home, or life insurance policy, you’ve probably looked at your premium and thought, “How did they come up with that number?” It might seem like a mystery, but insurance companies use a specific set of factors to decide how much […]

When’s the Last Time You Reviewed Your Insurance?Be honest—has it been a while? You’re not alone. A lot of people set up their insurance policies, then forget about them unless something goes wrong. But the truth is, your life changes, and your insurance should keep up. Whether you’ve moved, bought a car, had a baby, […]

Car insurance is one of those things you know you need, but figuring out exactly how much coverage to get? That’s where it gets tricky. You don’t want to be underinsured and left paying out of pocket after an accident, but you also don’t want to waste money on coverage you don’t actually need. So, […]