Our Hearts Are with California During This Difficult Time

California is no stranger to wildfires, but each season brings challenges that test the resilience of its communities. To all those affected by the recent devastating wildfires, we want you to know that our thoughts and prayers are with you. Your safety and well-being remain our top priorities. During times like these, preparation and awareness […]

Insurance Myth Busters… All I Need Is Replacement Cost Coverage

Most people think, “If my policy has replacement cost coverage I am ok, right?”  Well, maybe not.  The term “replacement cost” means “the cost to replace the property on the same premises with other property of comparable material and quality used for the same purpose.” A Common Myth “My policy has replacement cost coverage, so […]

Tom and Harry’s Backyard Chat: Insurance—Product or Service?

Tom and Harry are on Tom’s back deck, hammering away at a new pergola Tom has been building. A pile of wood is stacked neatly nearby, and the scent of freshly cut lumber mixes with the aroma of burgers grilling on the barbecue. They take a break, wiping their brows and sipping cold beers. “You […]

Navigating Changes in the Insurance Industry in 2025

How Independent Agents Provide Guidance The insurance industry is poised for transformation in 2025 as new trends and challenges emerge. From advancements in technology to shifts in consumer expectations, the landscape is changing, and individuals and businesses need trusted advisors to navigate these changes effectively. Independent insurance agents are uniquely positioned to provide the guidance […]

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