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This is one of the most common – and complicated – questions insurance agents hear, and unfortunately, it depends on your policy. If you have an HO1, HO2, or HO8, chances are good your pool isn’t covered. However, if you have an HO3 or HO5 homeowners policy, you may have coverage for your pool. How…

Ever wonder which home insurance claims are most common? So which home insurance claims are the most common – and costly? Between 2014 and 2018, these were the events that triggered the most homeowners insurance claims, according to national data from the Insurance Information Institute. #1: Wind & Hail (34% of Claims) This category encompasses…

The process continues to get faster and easier Life insurers and agents were already making enhancements to digital tools to make it easier for consumers to research and purchase life insurance online, but the pandemic accelerated those improvements. It’s now easier than ever to gather quotes from multiple insurers, research potential providers, and even go…

Good news: You can have it your way! Millennial consumers love customization. With so much information readily available, there is quite a bit you can do on your own if you choose to. And when you are ready and have questions or want a more guided experience, there is a financial professional who will be…

About 56% of Americans who work for private companies have access to life insurance through their employer. The number of employers offering such benefits, largely through group plans, has been in steady decline in the last decade. The result? More than 50% of those who have life insurance purchased it individually. If your employer does…

Income Replacement: Anyone who is in their core earning years should purchase life insurance if they have someone(s) depending on them. In your untimely death, your loved one(s) can use a cash payout to pay their mortgage to ensure they can stay in their home; they can use the cash towards college tuition, daily bills…

When should you buy Life Insurance; and, how much? The best time to buy life insurance is when you’re young and healthy. (However, if you’re neither of those, it’s still worthwhile to buy a policy.) Most experts recommend that consumers buy a policy with a death benefit equal to 10 to 12 times their annual…

It is a common myth that only breadwinners in the family need life insurance. There is a ton of value added when you insure the non-working spouse. If the stay-at-home spouse covers the ancillary expenses such as cleaning, grocery shopping, cooking, laundry, home maintenance, childcare, etc., there would undoubtedly be an increase in those household…

Are you financially fit? When you get life insurance, you are taking the first step towards achieving your own financial fitness. If it makes you squeamish to think about, it shouldn’t. Getting life insurance is an act of LOVE. Do you have loved ones that depend on you? Your spouse or significant other, children, your…

I had the pleasure of attending the Motoamerica Battle of the Baggers race this weekend. It amazes me what they can do with these big heavy bikes. Sure they are modified to make them lighter and more maneuverable but they are still baggers. Logan Lackey is my Harley-Davidson sponsored rider. I am thrilled to be a part…