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TikTok Trend Forces Carrier Withdrawals as Hyundai and Kia Step Up Theft Deterrents

This article orininally appeared in the BIG I  Independent Agent Magazine Written by:Will Jones   Hyundai and Kia are stepping up their theft deterrent system and providing other anti-theft resources after a trend on TikTok led to a wave of vehicle thefts and forced two prominent insurance carriers ...

I have a Homeowners Insurance policy. Now what?

Many people never look at their Homeowners Insurance policy even though they receive the renewal in the mail. It is just placed in a drawer; they pay the premium and forget all about it until the following year. This can potentially be a costly oversight! You should not think of ...

We offer FIGO Pet Insurance

What is Pet Insurance? Pet insurance reimburses you for your dog or cat’s unexpected medical bills.   How it works. Your pet is treated at any veterinarian for sickness or injury. You submit the bill to Figo for reimbursement by simply snapping a photo of your vet bill. Then, ...

Why did my Homeowners Insurance premium go up?

I recently had a client call and complain about the renewal premium for his homeowner’s insurance.  He said it was too expensive for something he has never used.  He could not understand the premium increase. He is correct, he has not filed any claims, and yet there ...

What does my Auto Insurance cover, what limits do I need?

The first coverage provided by your car insurance is Liability Coverage.  If you cause an accident with your car, Liability Coverage pays for damage and injuries you may cause to others. Auto liability coverage does not pay for injuries to you or damage to property you own. The amount ...

What does my car insurance cover if my car is stolen?

If your car is stolen, what does your auto insurance cover? If you file a claim for the theft of your vehicle and you have comprehensive coverage, the deductible would apply. But what about the property taken within the car at the time of the theft? For instance, say your ...

Do I need Flood Insurance?

Do I need flood insurance? Yes. The reality is every homeowner needs flood insurance. Floods can and do occur in areas outside of the Federal Emergency Management Agency’s (FEMA) high flood risk areas. FEMA has created and frequently updates flood maps. These show areas with a higher likelihood ...

Does my Homeowners Insurance cover my car if the garage burns down?

The short answer is no.  Homeowners insurance excludes coverage for motorized vehicles.  There are obvious exceptions to this, such as lawn mowers. The damage to your car would only be covered by your Auto policy, but only if you have “comprehensive coverage” as part of the policy. This ...

My neighbors tree fell and damaged my house. Who pays for the damage?

 In most cases the homeowner’s insurance policy of the house that was damaged would pay, less your deductible. Falling objects are a covered peril. But what if the tree is dead or diseased? Now the situation is different. You can ask your neighbor to remove the tree because ...

Hiring the neighbor kid to mow?

  By: Mackenzie Frasher   Summer, one of our favorite times of the year, but also one that bears many challenges for homeowners.  With lawn maintenance a priority, many homeowners hire a neighborhood kid looking for a summer job to mow their lawn. When hiring a neighborhood kid, it ...

Do I need to let my Insurance Agent know I put a new roof on my house?

Yes.  Roofs are affected by age.  Over time sun and wind take their toll on your roof.  As shingles age they become more brittle and the heat activated glue that seals out water begins to break down.  As a result, they are more likely to break ...

Involved in auto accident? Here’s what to do.

  At one time or another we will all likely be involved in an auto accident.  Depending on the severity of the accident, there will be different stress levels.  What we should do as a result of an accident seems simple enough, but stress can cloud our judgement. ...