Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Am I Drinking Enough Water?

As stated by Medical Daily, 75 percent of people in the U.S. today may suffer from chronic dehydration, and most Americans consume far below the recommended amount of water. Look for the following signs of dehydration to find out if you are drinking enough water: You feel thirsty Your skin is dry Your urine is dark You have bad breath You suffer frequent headaches Your... Read Article

What Is Graded Death Benefit Life Insurance?

A graded death benefit policy is a type of whole life insurance policy with a waiting period. It may be an option for people who are unable to be approved for standard life insurance. There is no medical exam required. People who have been declined for life insurance from all other companies can still get coverage through a graded benefit life insurance plan. How Does... Read Article

How to purchase the right insurance at the lowest cost

  When it comes to purchasing insurance, consumers have many choices. For most people, price is one of the most important factors when deciding what to buy and from whom. What consumers may not realize, however, are the benefits of working with an independent insurance agent. *An independent agent represents many different insurance companies and offers the consumer choices. *Since independent agents can offer more... Read Article

How Long Does Business Interruption Insurance Coverage Last?

Most commercial property insurance policies include business interruption insurance. With this coverage, the insurer agrees to pay for loss of business income resulting from a covered peril. But how long does it last? In most cases, business interruption insurance coverage continues from the date of loss until property damage can be repaired with dispatch and due diligence. Period Of Restoration The length of time in... Read Article

How To Lower Your Homeowners Insurance Costs

If you own a home, homeowners insurance is an item in your budget that’s there to stay. Depending on the size of your home, location, and other factors, your premiums may be significant and could increase over time. However, there are ways to minimize the cost of homeowners insurance. Taking the following steps could help lower your premiums. Increase Your Deductible A deductible is the... Read Article