People often call often and ask if they have coverage if they rent a car. If you have full coverage on your car, the answer is YES. Your auto policy will cover a rental car the same way it covers your own car. If you have liability only, the answer is NO. I have a unique experience with […]
Over the past few years, I have had some interactions with clients that have been going through a claim and they found out that coverage wasn’t available for the loss they were going through. Have you ever read your homeowners policy? I didn’t think so. I wanted to highlight some things that are NOT covered […]
I have been in business now for 10 years which is amazing to me. I’d like to share some thoughts of what those first ten years have been like. Starting a new business is an interesting endeavor. Starting two businesses, having a baby and buying a house in a 12 month period, is almost stupid. […]
I had an experience earlier this year which was one I will never forget. Golf has been a passion of mine for over 25 years and I never imagined I would have the opportunity to share a round of golf with Phil Mickelson. Somehow the stars aligned and I was able to do just […]
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 […]
