Independent Agent vs Captive Agent: What’s the Difference? Insurance Companies Represented Independent Agent: Indie Agents work with multiple insurance companies. Understand, the Indie Agent does not work for any one insurance company. They have contracts with these companies, in turn they can offer their products. Captive Agent: They represent one insurance company. When you contact […]
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10 Ingredients That Impact Auto Insurance
It’s inevitable, your auto insurance premium will increase over time. Like it or not, there is nothing we can do to stop it. I could stop writing here and tell you your premium increase is due to a rate increase. Although that may be partially true, there is more that behind the scenes that drives […]
Do I Need to Insure My Golf Cart?
If you hit the links on a beautiful summer day you typically want to play it safe and keep it in the fairway. The same thing is true with your golf cart. If you’re driving a golf cart on the course or at your house (i.e. on premise) your homeowners insurance liability will follow you. […]
Homeowners: Does your contractor have insurance?
As a homeowner, at some point in time in your homeownership you’re going to have to hire a contractor. Is your contractor insured? Your best defense as a homeowner is to do your due diligence when hiring contractors. Don’t be a afraid to interview them and ask questions. And be sure the contractor is insured. […]
What Does Comprehensive Auto Insurance Cover?
There is nothing more frustrating than a broken windshield. Maybe it is a rock. Maybe it is a baseball. It could be some kids. Is your windshield covered? You will hear a lot of people refer to it as “full coverage“. While we’re being honest with each other, there is no such thing as “full […]
Is My Roof Covered by Insurance?
The question isn’t if…it’s when…when will the wind howl…when will it hail next? We live in Missouri. It’s going to happen eventually. The same can be said about your roof. It’s going to wear out. Your roof isn’t made to last forever. It’s not if, it’s when. It’s thoughts like this that make you scratch […]