Entries by Perk Reichley

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 […]

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 […]

Coverage for Natural Disasters: Information You Should Know

Given the headlines of recent natural disasters, it’s crucial to remain connected even in cases when conventional solutions fall short. When you are without Wi-Fi or cellular connection, the new iPhone iOS18 update—available on iPhone 14 and later—as well as some Android phones now let you connect via satellite phone. When alternative means of contact […]

Holiday Home Safety Tips for a Joyful 2024

The holiday season is a time for warmth, joy, and celebration. But amidst the festivities, it’s also important to keep safety top of mind to ensure your home and loved ones are protected. Here are some essential holiday home safety tips for 2024. Decorate Safely Twinkling lights and festive decorations are wonderful, but safety comes […]

Personal Insurance Planning

2025 is around the corner, here and now is the best time to think about your personal insurance program. When was the last time you reviewed your insurance coverage? The start of the New Year is a great time to review your personal insurance. Most of us know that major life events can make it […]

Home Insurance Companies Limiting Coverage on Older Roofs

What You Need to Know As a homeowner, it’s essential to understand the limitations of your home insurance policy, especially when it comes to older roofs. Many insurance companies are now limiting coverage or requiring additional inspections for homes with roofs nearing the end of their lifespan, especially those located near tree lines. Why are […]