How Independent Insurance Agencies Work
Independent agencies represent multiple insurance companies and can compare coverage and pricing options for clients.
Insurance Education
Insurance Education
Insurance Terms Explained in Plain English
Understanding common insurance terms makes policies easier to review and insurance decisions easier to make.
Insurance Education
What Does Replacement Cost Mean?
Replacement cost coverage helps pay to repair or replace property without deducting for depreciation, subject to policy terms.
Insurance Education
Understanding Insurance Deductibles
A deductible is the amount you pay before insurance contributes to a covered claim.
Insurance Education
Why Insurance Rates Are Rising Nationwide
Insurance rates are rising because of inflation, weather losses, repair costs, litigation trends, and reinsurance costs.
Insurance Education
Replacement Cost vs. Actual Cash Value
Replacement cost usually pays to replace property with new property of similar kind and quality, while actual cash value subtracts depreciation.
Insurance Education
Understanding Liability Limits
Liability limits determine the maximum amount your policy may pay for covered injury or property damage claims.