Insurance can be confusing. From premiums and deductibles to full coverage and umbrella policies, it's easy to get overwhelmed by the jargon. That’s why we created this “What’s the Difference?” guide — to help you understand the core terms and types of insurance coverage that most people get wrong. Let’s break it down. 1. Liability vs. Full [...]

Fall is actually a smart time for people to revisit their insurance needs as seasons change and the year winds down. Here are a few important insurance-related things people should review or consider in the fall: 🍁 1. Homeowners Insurance Check-Up Prepare for colder weather: Ensure your policy covers potential fall/winter damage like frozen pipes, [...]

Avoid costly pitfalls—learn the top mistakes to steer clear of when buying insurance and let us help you protect your future the smart way. Focusing Only on Price 🛑 Mistake: Choosing the cheapest policy without understanding what it covers. ✅ Why it matters: Low price often means low coverage or high out-of-pocket costs. 💡 Tip: [...]

💡 1. Bundle Your Policies Tip: Combine your auto, home, and even life insurance under one provider. Why it works: Most insurers offer discounts for bundled coverage—often up to 25%. 🚘 2. Drive Safe and Stay Claim-Free Tip: Maintain a clean driving record and avoid small claims. Why it works: Safe drivers qualify for lower [...]

Moving off-campus is a big step—freedom, independence, and finally your own space! 🎉 But with all the excitement of decorating your new apartment and buying groceries for the first time (hello, ramen), there's one important thing students often forget: renters insurance.  🚨 Why Renters Insurance Isn’t Just “Extra”  Many students assume renters insurance is only [...]

As backpacks are packed, lunches are prepped, and routines return, the back-to-school season is a great time for more than just school supplies—it's also the perfect opportunity to review and refresh your insurance coverage. Whether you’re sending a child off to kindergarten or college, making sure your family is protected gives you peace of mind [...]

Fall is a favorite season for community gatherings. From farmers markets, harvest festivals, outdoor concerts, craft fairs, and food truck events, there is a lot of seasonal fun to be had!. For seasonal or pop-up businesses, these events can bring big opportunities, but they also carry unique risks. Whether you’re selling handmade goods, serving food, [...]

The back-to-school season means more than just packed lunches and new backpacks. It also means busier roads, school zones in full swing, and more young drivers behind the wheel. Whether you’re a parent, a commuter, or both, now’s the time to brush up on safety and review your auto insurance coverage. Here’s what to keep [...]

Insurance & Safety Tips for Homeowners in Coastal and Storm-Prone Areas Do you have vacation property in a coastal town? Are you a snowbird who splits time between Florida and up north? Do you know someone who has a beach home?  If you answered yes to any of the above questions, then it’s important to [...]

Liability and Property Insurance Tips for Backyard Fire Pits & Patio Heaters As the sun sets a little earlier and evenings turn crisp, there’s nothing cozier than gathering around a backyard fire pit with friends and family. Whether it’s s’mores with the kids or wine by the flames, fire pits and patio heaters have become [...]