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How much life insurance should an individual have?

4/25/2016

 
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Rough "rules of thumb" suggest an amount of life insurance equal to 10 to 12 times annual earnings.


​However, many factors should be taken into account in determining a more precise estimate of the amount of life insurance needed.

It is recommended that a person's insurance advisor be contacted for a precise calculation of how much life insurance is needed. 

Read More

How to save money on car insurance.

4/12/2016

 
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Because no one likes paying more than they have to.


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What is Replacement Cost?

3/30/2016

 
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When "replacement cost" coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with like kind and quality at current prices without any deduction for depreciation.

So that means if your two year old TV was damaged in a storm, if the model of your TV is still being sold then it is likely you will receive that same TV.

If not however, then you would receive a newer TV that is very similar to the one you originally owned.

​Many companies require that if you want to have replacement cost coverage on your items that you have at least 80% of the property’s value covered at the time of loss.  

Why an umbrella policy is a good idea for EVERYONE

3/25/2016

 
Umbrella insurance
A common myth about umbrella policies is that they are only for the wealthy population.

​Forget that, an accident can happen at any moment to anyone.
 
An umbrella policy provides EXTRA coverage when your normal limits are exhausted. 

Read the stories below to put this coverage into perspective.

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Can an existing life insurance policy be used to repay an outstanding mortgage loan?

3/21/2016

 
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Yes, the purchase of a new mortgage protection term insurance policy is usually not required by the lender.

An existing policy, either term or cash-value life insurance can be used for many purposes, including paying off an outstanding mortgage loan balance in the event of the insured's death.

Read More

Should I purchase flood coverage?

3/15/2016

 
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Once it starts raining it's too late. 

Flood coverage needs to be purchased in advance to the storm. 

First things first, if your property lies in a flood plain as determined by US Government Flood Maps, ask your independent agent about a flood quote.

You can view the maps at www.floodsmart.gov.

Read More
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  • Home
    • News
  • Contact
    • Client Testimonials
  • About
    • Our team >
      • Christi Whalen
      • William T. Zimmer
      • Dave Hinkley
      • Carla Stauffer
      • Alex Zimmer
      • Jodi Newman-Schliefert
      • Betty Piper
      • Shauna Randall
      • Sara Burton
      • Shannon Aikman
      • Shannon White-Michener
    • Our Partners
  • Services
    • Personal Insurance >
      • Auto Insurance
      • Motorcycle Insurance
      • Homeowners Insurance
      • Renters/Condo Insurance
      • Personal Watercraft
      • Umbrella Insurance
    • Commercial Insurance >
      • Property Insurance
      • Business General Liability
      • Business Auto
      • Worker's Compensation
    • Life Insurance
    • Health Insurance
    • Retirement Plans
    • Group Insurance
  • Payments/Claims
  • Blog
  • Insurance 101
  • Legal Statements
  • Holiday Closing Schedule