July 15, 2024
jdowdinsWhy Should I Get Insurance Quotes Before Buying A Vehicle?
Shopping for a new car can be exciting, but it’s crucial to check in with your agent before finalizing your purchase. If you plan to lease or finance a car, the lienholder may require full coverage insurance. With comprehensive and collision coverage, rates vary widely depending in part on the potential cost of repairing or […]
July 12, 2024
jdowdinsHow to Keep Your Family Safe in the Summer Heat
Summer can be a beautiful and enjoyable time, offering longer days and a brighter world in which to enjoy various activities and create memories. However, as you and your loved ones head out into the warm weather and sunny conditions, you must be aware of the potential dangers that summer can pose to your health […]
July 12, 2024
jdowdinsTo File or Not to File: Understanding the Impact on Your Insurance Premium
Filing an insurance claim can be a straightforward process after an unfortunate event such as a car accident or damage to your home. However, what many people don’t realize is that filing claims can have a significant impact on your insurance premiums. Here’s a breakdown of when you should think twice before filing a claim, […]
July 10, 2024
jdowdinsCan A Business Insurance Claim Denied Because Of Late Notice?
The Importance of Timely Notice Under Claims-made Liability Policies Claims-made liability policies require timely notice of claims or circumstances that could lead to a claim for an insured to qualify for coverage. This allows insurers to properly investigate and respond to claims, which helps control costs and determine the legitimacy and extent of the claim. […]
July 8, 2024
jdowdinsJuly Is National Vehicle Theft Prevention Month
The National Highway Traffic Safety Administration (NHTSA) is raising awareness about the risk of vehicle theft and providing guidance on protecting your vehicle from criminals. Did You Know? Over 1,000,000 motor vehicles were stolen in 2023 in the United States. Historically, passenger cars have made up approximately 74% of all stolen motor vehicles. A motor […]
July 3, 2024
jdowdinsWhat Is The Process For A Home Insurance Claim?
Knowing how and when life will return to normal helps give you peace of mind when an unexpected loss occurs. Check out this general guide to the home insurance claims process, so you can understand what to expect if you have to file a home claim. Home Claim File a claim For many carriers you […]
July 1, 2024
jdowdinsHow to Keep the Whole Family Safe While Boating This Summer
Boating in the summertime can be an excellent activity for the whole family to stay cool and enjoy exploring open waters. However, boating can pose many inherent risks, such as property damage, injuries and drowning. It’s essential to understand how to mitigate these risks before hitting the water. Consider the following tips to mitigate risk […]
June 26, 2024
jdowdinsWhat Is The Process For An Auto Insurance Claim?
Knowing how and when life will return to normal helps give you peace of mind when an unexpected loss occurs. Check out this general guide to the auto insurance claims process, so you can understand what to expect if you have to file an auto claim. Auto Claim File a claim For many carriers you […]
June 24, 2024
jdowdinsDoes My Credit Score Affect My Insurance Premium?
The simple answer is yes, credit scores can affect insurance premiums in most states, but not all. Insurance companies use your credit history to calculate an “insurance score” that estimates your risk of filing an insurance claim. People with lower credit scores may be considered higher risk and pay higher premiums. However, the impact of […]
June 20, 2024
jdowdinsWhat Kind Of Water Damage Coverage Does My Home Insurance Cover?
The amount and type of water damage coverage your homeowners policy has depends on what coverages you selected when purchasing the policy. Choosing the right water damage coverage for your home can be quite confusing. To make sure you have the right coverage for your home starts with understanding the coverage options available homeowners insurance. […]