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Term vs. Whole Life Insurance: What’s the Difference?

Term vs. Whole Life Insurance: What’s the Difference?

Life insurance is a crucial financial tool that provides peace of mind and financial protection for your loved ones in the event of your untimely demise. However, choosing the right type of life insurance can be overwhelming, with numerous options available. Two...

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Educate Your Teen on the 5 to Drive Principles

Educate Your Teen on the 5 to Drive Principles

The National Highway Traffic Safety Administration (NHTSA) states that auto accidents are the leading cause of death for teenagers aged 15-19 in the United States. To combat these statistics, parents should have open conversations with their children about the risks...

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Dog Bite Claims and Insurance Coverage

Dog Bite Claims and Insurance Coverage

Dog bites can result in significant financial costs, with insurance companies paying out over one billion dollars annually for dog bite claims, according to the Insurance Information Institute. To safeguard yourself from potential out-of-pocket expenses stemming from...

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Is Home Insurance Tax Deductible? A Comprehensive Guide

Is Home Insurance Tax Deductible? A Comprehensive Guide

Homeownership is a significant milestone in one's life and a cornerstone of financial stability. While it brings joy and security, it also comes with responsibilities, such as maintaining and insuring the property. Home insurance is a crucial component of protecting...

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Cleaning Business Insurance and Bonding Best Options

Cleaning Business Insurance and Bonding Best Options

Cleaning Business Insurance and Bonding: Best Options for Peace of Mind Running a successful cleaning business requires more than just exceptional service and satisfied clients. It also involves protecting your company, employees, and customers from potential risks...

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When Does Home Insurance Cover Mold?

When Does Home Insurance Cover Mold?

Home insurance is a crucial aspect of protecting your investment and providing peace of mind in case of unexpected events. While most homeowners are aware of the coverage for common perils like fire and theft, mold damage is often misunderstood. Mold infestations can...

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The Benefits of Working with an Auto Insurance Broker

The Benefits of Working with an Auto Insurance Broker

Securing the right auto insurance policy can be a daunting and time-consuming task. With countless insurance providers offering various coverage options and rates, navigating through the intricacies of the insurance market can leave individuals feeling overwhelmed....

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What is Life Insurance?

What is Life Insurance?

Life insurance is a financial product that provides financial security to the beneficiaries of the policyholder in the event of their death. It is a contract between the policyholder and the insurance company, where the policyholder pays regular premiums in exchange...

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Is it Time To Purchase Life Insurance?

Is it Time To Purchase Life Insurance?

September is Life Insurance Awareness Month. As your local independent insurance agency, we are here to make you aware of the benefits of purchasing a life insurance policy. There are many options to choose from so if you have specific questions, reach out to our...

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How Technology Could Reduce Your Chance of an Insurance Claim

How Technology Could Reduce Your Chance of an Insurance Claim

Technology has made significant strides in the past five years, offering homeowners the ability to control and monitor various aspects of their homes through mobile devices and Wi-Fi-enabled routers. By incorporating do-it-yourself tech items into your home, you can...

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Off-Road Vehicle Insurance for Your Toys

Off-Road Vehicle Insurance for Your Toys

ATVs, UTVs, dirt bikes and even side-by-sides are great toys for the big kids. Nothing beats hitting the off-road trails with friends and getting a little dirty in the mud. However, in good times such as these, the last thing you want to think about is whether your...

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Protecting Your Home While on Vacation

Protecting Your Home While on Vacation

Summer is the perfect time to embark on a well-deserved vacation, but it’s crucial to take precautions to protect your home while you’re away. By implementing simple measures and adopting preventive strategies, you can deter potential thieves and ensure the safety of...

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Do Your Part to Reduce Wildfires This Summer

Do Your Part to Reduce Wildfires This Summer

It is that time of year when we like to remind you of the importance of wildfire prevention. Preventing a wildfire requires a collective effort and best practices need to be utilized to lower our risk. Did you know the majority of wildfires are caused by humans?...

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Cyber Liability Insurance Protects a Business

Cyber Liability Insurance Protects a Business

How often have we heard the news? Another business or government entity has been hacked and customers have had their personal information exposed. There is an important hedge against this crime: Cyber Liability insurance, also known as Cyber Security or Cyber Risk...

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An Update on Auto and Home Insurance Rates in 2023

An Update on Auto and Home Insurance Rates in 2023

Inflation Continues to Impact Insurance Policy Premiums We all feel the impact of inflation. Whether it is at the gas station, grocery store and your insurance policies at renewal. Unfortunately, the insurance industry continues to be impacted as insurance carriers...

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What constitutes a well-crafted business insurance plan?

What constitutes a well-crafted business insurance plan?

There are a number of factors that go into creating a solid business insurance plan. One critically important element is the performance of your insurance agent. You should be visiting with your agent on at least an annual basis. If you are not meeting for at least...

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Do you need insurance before buying a car?

Do you need insurance before buying a car?

We can say most definitely, it depends! Usually, car dealerships will not let you leave the lot if you do not have proof of insurance. While you will have to show the dealership proof of coverage, there is no need to buy a new policy for a new car. If you are trading...

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Insurance coverage if someone else drives your vehicle.

Insurance coverage if someone else drives your vehicle.

This is a common question that has a quick and simple answer: Yes, most of the time. Over the past 10 years, insurance contracts have been changing. It used to be that coverage followed the car 100% of the time, so anyone driving your vehicle would be insured. Each...

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Cheap auto coverage might be your most expensive choice!

Cheap auto coverage might be your most expensive choice!

Cheap auto coverage might be your most expensive choice! First, consider why you should purchase auto insurance. The main reason is to financially protect yourself, your family, your passengers and other drivers. The right coverage at the right limit is always the...

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