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Car Accident? What Do I Do?

I think one of the most stressful, not to mention dangerous, events a person can go through is a car accident.  Having been in a few myself (one really bad one where the SUV I was a passenger in rolled going 70 mph, probably rolled at least 7 times), I know how hard it is to regroup after an accident (if that is even possible).  But I do think it is helpful to have a guide (you could print one out and put it in ...

Interest Rates and Insurance

I don't think I am alone when I say that the last 18 months or so have been difficult.  Prices on consumer goods have never been higher, at least not in my adult life.  Insurance is definitely one of those costs that feels like it just keeps on going up.  At least once a day we are asked "why do my premiums keep going up?", which is a good question.  I blogged about it a little bit already, but wanted this blog ...

Cold Weather Is Coming

As winter approaches, it's crucial to prepare your home for the challenges that come with colder temperatures and harsh weather conditions. In addition to creating a cozy and comfortable environment, winterizing your home can help you avoid potential damages and reduce the risk of costly repairs. In this guide, we'll explore practical tips on how to better prepare your home for winter weather, with a special focus on preventing water damage and the role of home insurance in safeguarding your property. Inspect and Clean Gutters: ...

Unlocking Savings: Smart Strategies to Lower Home and Auto Insurance Premiums

Securing your home and auto with insurance is a wise investment to protect yourself and your assets. While insurance is essential, nobody wants to pay more than necessary. Fortunately, there are several strategies to lower your home and auto insurance premiums without compromising on coverage. In this blog post, we'll explore some practical tips that can help you save on insurance costs while ensuring you have the protection you need. Safe Driving Practices: Maintaining a clean driving record is one of the most effective ways ...

Why Is My Insurance So Expensive?

A question on everyone’s mind, let me try lay out a brief explanation.  Cost of claims – Unfortunately the weather claims this year have been higher than a typical year High Interest Rates – I was honestly unaware of the impact that interest rates have on insurance pricing.  Insurance companies must find a way to make money on premium paid by their customers.  They are also regulated on what exactly they can do with premium funds.  High interest rates have led to ...