The landscape for health insurance is very hard to navigate these days. With Obamacare or the “Affordable Care Act” (ACA), going into full effect last year, there are still many questions about the industry, and the process to secure coverage. If you have individual health care insurance, there is now an open enrollment period where […]
Life insurance is the most important product I offer. Cars can be fixed, houses can be rebuilt but the financial hole left by the death of a loved one, can change the course of your life. Life insurance by nature, was invented to be an income replacement tool. There are only a few ways to […]
Did you know your credit score plays a role in what you are charged for your home and auto insurance premiums? Like it or not, it has become an important factor in how insurance companies determine risk. You may be asking (as many many many many people have asked me), “Why the heck should my […]
Business owners who have W-2 employees must have workers compensation insurance. It is the LAW! If a business does not have it while they have employees on payroll, they are subject to a fine of $25 per day PER EMPLOYEE here in Idaho. Workers comp is insurance to pay for any medical expenses if an […]
A question I get often, “Why did my auto insurance go up?” There are many possible answers to this question, but I will speak on one of them. A portion of your auto insurance is coverage for liability. It pays for medical expenses if you are involved in an AT FAULT accident, or if you […]
You may have heard of an umbrella policy, but you must likely don’t know how it works. Not having the proper amount of insurance at the time of an accident, can change the course of your financial future. Picture this: You are in a hurry, you are running late to pick the kids up from […]
Accidents happen. They happen every day. It is the main reason you have insurance. When you are involved in an accident, there are a few things you can do to make next few weeks go by smoothly. 1. Is everyone OK? If there are injuries, dial 911. I see many auto claims come through my office and the […]
My agency has made a big push to get in front of all of our clients to review their coverage’s. I do believe some people are reluctant to come in because they think we are going to try and sell them something else. The truth is, more often than not, we save people money. We […]
Did you know most homeowners policies include coverage for guns and jewelry? The thing is, the coverage built into your existing policy only has a limited amount of coverage for these items. Farmers homeowners policies come with $5000 worth of jewelry and $3000 worth of gun coverage. You can add more with what is a […]