Top 10 Stolen Cars of 2013

Honda Accord and Civic top the list of the most stolen cars in the country.           The National Insurance Crime Bureau (NICB)’s annual “Hot Wheels” report examines vehicle theft data submitted by law enforcement to the National Crime Information Center (NCIC) and determines the vehicle make, model and model year most […]

Covering The Gaps In Your Health Insurance Plan

Most of us can remember the good old days when health insurance was simple…. You went to work, you had an employee benefit package and all of your claims were covered. As health insurance costs continued to rise, that same plan began charging you co-pays for prescriptions and doctor visits. That was then, this is […]

Dont Forget To Cover Your Assets….

This post will cover three very important coverages that are available to you through my agency. As usual, we are always prepared to go through these coverage in greater detail to help you better understand them and decide if these coverages are right for your situation.  PERSONAL UMBRELLA: A policy designed to protect your personal assets […]

We Appreciate Your Referrals

When we get a referral from a client like yourself, it means a lot to us. We work hard to earn each referral you have sent us by providing outstanding service each time you call in with questions, changes to your policy or just to make a payment over the phone. To show our appreciation, […]

Frequently Asked Questions About Individual Health Insurance Mandate

Q: I’m uninsured. Am I required to get coverage in 2014? A: Everyone is required to have health insurance coverage – or more precisely, “minimum essential coverage” – or else pay a tax penalty, unless they qualify for an exemption. This requirement is called the individual responsibility requirement, or sometimes called the individual mandate. Q: […]

Frequently asked questions regarding details on Minimum Essential Coverage

Minimum Essential Coverage  (The type of coverage an individual needs to have to meet the individual responsibility requirement under the Affordable Care Act. This includes individual market policies, job-based coverage, Medicare, Medicaid, CHIP, TRICARE and certain other coverage)  &  Premium Tax Credits (Subsidies) Q: What kinds of coverage count as Minimum Essential Coverage to satisfy the […]

Do you have enough coverage to rebuild your home?

Replacement Cost Vs. Market Value Imagine how devastating it would be to lose your home in a fire or natural disaster. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance. “Coverage A” or “Dwelling Coverage” on your policy declarations page is the amount you are currently […]