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 know,” Harry said, leaning against the railing, “I was thinking about insurance again. You and your ‘home inventory’ argument got me thinking—you really see insurance differently than I do.”
Tom chuckled, flipping a burger on the grill. “I take that as a compliment. So what’s on your mind this time?”
Harry shrugged, taking another sip of his beer. “I still think of insurance as a product—something you buy, like this wood for the pergola. You pick what you need, pay for it, and you’re done. But you seem to think it’s more than that.”
Tom turned, raising an eyebrow. “Because it is more than that, Harry. Insurance isn’t just something you buy and forget. It’s a service. You’re not just paying for a policy—you’re paying for someone to help you make sense of it all and to be there when it matters.”
“Come on,” Harry said, waving him off. “You buy a policy, you’ve got coverage. What’s so complicated about that?”
Tom leaned on the grill, gesturing with his tongs. “Alright, let’s compare it to this pergola. Sure, you bought the wood, but who’s helping you figure out how to put it together? Would you rather guess and hope for the best, or have someone who’s done it before guide you through?”
Harry laughed. “I see where you’re going, but building a pergola and buying insurance aren’t the same thing.”
“Aren’t they?” Tom challenged. “You bought the wood, but if you don’t assemble it right, it won’t hold up when the wind comes. Same with insurance. You can buy a policy online, sure, but without someone to guide you, you might find out it doesn’t hold up when life throws you a storm.”
Harry frowned, setting his beer down. “Okay, fine. But isn’t it easier to just buy what a big company is offering? They’ve got the resources, and you know what you’re getting.”
Tom shook his head, smiling. “You know what you’re getting on paper, but who’s explaining the details? Who’s asking the right questions? An experienced agent takes that product and turns it into a service, Harry. They make sure you’re not just covered but properly covered.”
Harry crossed his arms. “So what, you’re saying I can’t trust a big company?”
“It’s not about trust—it’s about focus,” Tom said. “A big company is looking out for its bottom line. An agent? They’re looking out for you. When you work with someone who knows your situation, they’re not just selling you something—they’re solving a problem.”
Harry picked up a hammer, twirling it thoughtfully. “But doesn’t that mean paying more? I mean, if I can do it myself, why involve someone else?”
Tom flipped the burgers and turned back to Harry. “Because doing it yourself doesn’t always mean doing it right. An agent saves you time, stress, and often money in the long run. They’re like the foreman on a construction site—keeping everything on track so it doesn’t fall apart.”
“Alright, I get it,” Harry admitted, setting the hammer down. “But you’ve got to admit, it’s a lot easier to just go online and click a few buttons.”
Tom smirked, handing Harry a plate with a burger. “Easier? Maybe. But when you’re in a jam, do you want a call center on the other side of the country, or someone local who knows you? Insurance is about trust and service, Harry. It’s about having someone in your corner.”
Harry took a bite of his burger, chewing thoughtfully. “You’ve got a point. It’d be nice to have someone who actually knows what they’re doing when things go sideways.”
Tom raised his beer in a toast. “Exactly. Insurance isn’t just a product—it’s peace of mind. And that’s something you can’t get from a website.”
Harry laughed, clinking his beer against Tom’s. “You’re relentless, you know that?”
“Just looking out for you, Harry,” Tom said with a grin. “Now, let’s finish this pergola before that storm rolls in—speaking of being prepared.”
They both laughed, picking up their tools and getting back to work under the warm glow of the setting sun.
Our Hearts Are with California During This Difficult Time
/in Claims, Insurance, Personal InsuranceCalifornia 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 can save lives. Please take a moment to review these critical disaster and fire safety tips to ensure you and your loved ones remain safe.
Before and During Evacuation:
When local authorities instruct you to evacuate, do so without delay. Pre-plan an emergency evacuation route and have an emergency plan in place for all family members, including pets.
Wildfires produce harmful smoke and ash. Protect your lungs by covering your nose and mouth with a mask or cloth.
Fires can quickly block roads, so it’s vital to have several escape routes mapped out in advance.
Prepare a kit with essential items, including:
Monitor updates from reliable sources like local emergency services, the National Weather Service, or Cal Fire. Social media can also provide real-time information, but rely only on verified accounts.
After Evacuation:
Returning to a fire-damaged area too soon can be dangerous. Wait for local authorities to declare it safe to re-enter your home.
When it’s safe to return, take clear photos of any damage to your property. This documentation will be critical when filing insurance claims.
Conditions can change rapidly. Continue to follow local news and updates for new safety instructions or resources available to affected communities.
We Stand with You
Wildfires test our strength as individuals and as a community. In these challenging times, we are reminded of the importance of supporting one another. Whether it’s offering shelter, donating resources, or simply being a source of encouragement, every action matters.
If you have questions about your insurance coverage or need help navigating your recovery process, we are here for you. Together, we will weather this storm and rebuild stronger than ever.
Stay safe, stay prepared, and stay connected.
Insurance Myth Busters… All I Need Is Replacement Cost Coverage
/in Insurance, Personal InsuranceMost 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 I am covered in the event of a loss.”
Myth Busted
Replacement cost coverage has limitations. The most important limitation is that it will only repair or replace up to the policy limit. So, if your building has a replacement value of $500,000, but your policy has a limit of $450,000, you are underinsured by $50,000.
There may also be a need for functional or extended replacement cost coverage in certain situations. A guaranteed replacement cost policy pays whatever it costs to rebuild your building as it was before the fire or other disaster–even if it exceeds the policy limit.
The example above is an excellent example of why it is important to have an agent who knows and understands insurance, and one who can communicate complex issues in “English”. This allows our customers to make intelligent choices regarding their insurance.
Tom and Harry’s Backyard Chat: Insurance—Product or Service?
/in Customer Service, Insurance, Personal Insurance, Relationships, UncategorizedTom 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 know,” Harry said, leaning against the railing, “I was thinking about insurance again. You and your ‘home inventory’ argument got me thinking—you really see insurance differently than I do.”
Tom chuckled, flipping a burger on the grill. “I take that as a compliment. So what’s on your mind this time?”
Harry shrugged, taking another sip of his beer. “I still think of insurance as a product—something you buy, like this wood for the pergola. You pick what you need, pay for it, and you’re done. But you seem to think it’s more than that.”
Tom turned, raising an eyebrow. “Because it is more than that, Harry. Insurance isn’t just something you buy and forget. It’s a service. You’re not just paying for a policy—you’re paying for someone to help you make sense of it all and to be there when it matters.”
“Come on,” Harry said, waving him off. “You buy a policy, you’ve got coverage. What’s so complicated about that?”
Tom leaned on the grill, gesturing with his tongs. “Alright, let’s compare it to this pergola. Sure, you bought the wood, but who’s helping you figure out how to put it together? Would you rather guess and hope for the best, or have someone who’s done it before guide you through?”
Harry laughed. “I see where you’re going, but building a pergola and buying insurance aren’t the same thing.”
“Aren’t they?” Tom challenged. “You bought the wood, but if you don’t assemble it right, it won’t hold up when the wind comes. Same with insurance. You can buy a policy online, sure, but without someone to guide you, you might find out it doesn’t hold up when life throws you a storm.”
Harry frowned, setting his beer down. “Okay, fine. But isn’t it easier to just buy what a big company is offering? They’ve got the resources, and you know what you’re getting.”
Tom shook his head, smiling. “You know what you’re getting on paper, but who’s explaining the details? Who’s asking the right questions? An experienced agent takes that product and turns it into a service, Harry. They make sure you’re not just covered but properly covered.”
Harry crossed his arms. “So what, you’re saying I can’t trust a big company?”
“It’s not about trust—it’s about focus,” Tom said. “A big company is looking out for its bottom line. An agent? They’re looking out for you. When you work with someone who knows your situation, they’re not just selling you something—they’re solving a problem.”
Harry picked up a hammer, twirling it thoughtfully. “But doesn’t that mean paying more? I mean, if I can do it myself, why involve someone else?”
Tom flipped the burgers and turned back to Harry. “Because doing it yourself doesn’t always mean doing it right. An agent saves you time, stress, and often money in the long run. They’re like the foreman on a construction site—keeping everything on track so it doesn’t fall apart.”
“Alright, I get it,” Harry admitted, setting the hammer down. “But you’ve got to admit, it’s a lot easier to just go online and click a few buttons.”
Tom smirked, handing Harry a plate with a burger. “Easier? Maybe. But when you’re in a jam, do you want a call center on the other side of the country, or someone local who knows you? Insurance is about trust and service, Harry. It’s about having someone in your corner.”
Harry took a bite of his burger, chewing thoughtfully. “You’ve got a point. It’d be nice to have someone who actually knows what they’re doing when things go sideways.”
Tom raised his beer in a toast. “Exactly. Insurance isn’t just a product—it’s peace of mind. And that’s something you can’t get from a website.”
Harry laughed, clinking his beer against Tom’s. “You’re relentless, you know that?”
“Just looking out for you, Harry,” Tom said with a grin. “Now, let’s finish this pergola before that storm rolls in—speaking of being prepared.”
They both laughed, picking up their tools and getting back to work under the warm glow of the setting sun.
Navigating Changes in the Insurance Industry in 2025
/in Business insurance, Customer Service, Insurance, Personal InsuranceHow 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 needed during this period of transition. Here’s a look at the anticipated changes and how independent agents can help.
Artificial intelligence (AI) and automation are becoming integral to the insurance process. From chatbots providing customer service to AI-driven underwriting, these technologies promise efficiency but also bring complexity. Consumers may feel uneasy about the lack of a human touch or have concerns about data privacy.
How Agents Can Help:
Cybersecurity threats are evolving, and businesses face heightened risks of data breaches, ransomware attacks, and other digital vulnerabilities. As cyber insurance products evolve, businesses need to stay informed about their options.
How Agents Can Help:
The impact of climate change continues to escalate, resulting in more frequent and severe natural disasters. Insurers are adapting by revising coverage options, introducing higher premiums, and enforcing stricter underwriting guidelines.
How Agents Can Help:
Insurance regulations may undergo significant changes in 2025 as governments respond to market conditions and consumer protection concerns. These changes can affect everything from coverage requirements to claims handling processes.
How Agents Can Help:
Consumers increasingly demand tailored insurance solutions that reflect their unique needs. From usage-based auto insurance to niche coverage for specific industries, customization is becoming a cornerstone of the insurance experience.
How Agents Can Help:
Inflation and economic uncertainties are pushing insurance costs higher, making affordability a concern for many clients. Businesses, in particular, may struggle to balance coverage needs with budget constraints.
How Agents Can Help:
Why Independent Insurance Agents Are Essential
Independent agents bring unparalleled value during times of change. Unlike captive agents tied to a single carrier, independent agents have access to multiple insurance providers, enabling them to offer diverse options. They combine market knowledge with a client-first approach, ensuring tailored solutions and ongoing support.
As the insurance industry evolves in 2025, the role of independent insurance agents becomes even more critical. By staying informed, providing personalized advice, and advocating for their clients, these professionals ensure that individuals and businesses can confidently navigate the complexities of the modern insurance landscape. Whether you’re facing new risks, regulatory changes, or rising costs, an independent agent is your trusted partner in achieving peace of mind.
Coverage for Natural Disasters: Information You Should Know
/in Insurance, Personal Insurance, SafetyGiven 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 are lacking in an emergency, this function can literally save lives.
Apart from keeping in touch, this is a good moment to check what your insurance covers and how you could guard yourself from unanticipated events. Whether it’s hurricanes, floods, wildfires, or even earthquakes, knowing your insurance coverage will help you to recover from a disaster far more effectively.
Coverage included in Standard Homeowners Insurance
Most basic homes insurance policies provide defense against a range of hazards including fire, windstorms, and hail. Certain typical natural disasters, however, might not be covered and include:
• Floods: Generally speaking, regular homeowners insurance does not cover flood damage. Either a private insurer or the National Flood Insurance Program (NFIP) may provide a separate flood insurance coverage.
• Earthquakes: Most insurance exclude damage caused by earthquakes, much as by floods. Getting earthquake insurance makes sense if you live in an area likely to experience earthquakes.
• Hurricanes: While storm surge damage may not be covered, wind damage from hurricanes is often. Your coverage should clearly distinguish between wind and flood damage.
Knowing Deductibles for Natural Disaster Coverage
Special deductibles for some natural disasters are included into many insurance policies. For instance, rather than a set number, hurricane deductibles are sometimes computed as a percentage of the insured value of your house. Knowing the particular language of your insurance can help you to be ready should a calamity hit.
Review and Update Your Coverage:
Reviewing your policy now is a good moment. Review the following actions:
• Sort or update a list of your personal items. Should you suffer a loss, this will simplify the claim-making process.
• Make sure your policy limitations accurately represent the worth of your house and possessions today. Underinsurance can cause you major out-of-pocket costs.
• See your insurance agent about adding suitable coverage if you live in a region likely to floods, earthquakes, or another excluded calamity.
Get ready before a disaster strikes.
Although insurance serves as a crucial safety net, you may guard your house and family against natural disasters by acting ahead of time:
Make sure your house has a well-stocked emergency kit with basic supplies, first aid tools, and critical paperwork.
• Strengthen Your Home: Make little changes to help reduce damage, including locking bulky furniture or reinforcing doors and windows.
• Know Your Evacuation strategy: Create a family strategy for an emergency and familiarize yourself with nearby evacuation routes.
We’re Here to Assist.
Holiday Home Safety Tips for a Joyful 2024
/in Insurance, Personal InsuranceThe 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.
Twinkling lights and festive decorations are wonderful, but safety comes first. Check all holiday lights for frayed wires or broken bulbs before hanging them up, and be sure to use indoor lights only indoors and outdoor lights outside. Always turn off lights before going to bed or leaving the house to reduce fire risk.
If you’re using a real tree, make sure to keep it well-watered. A dry tree can become a fire hazard, especially with hot lights or candles nearby. Place your tree away from heat sources like fireplaces or space heaters, and if you opt for an artificial tree, ensure it’s labeled as flame-resistant.
The kitchen is often the heart of the holidays, but it can also be a danger zone. Never leave cooking food unattended, especially when using the stove or oven. Keep flammable items—like towels and oven mitts—away from the cooktop, and make sure to have a fire extinguisher within easy reach.
Candles add a warm glow to holiday gatherings, but they also pose a fire risk. Place candles on stable surfaces away from children and pets, and never leave them burning unattended. Consider switching to battery-operated candles for a safer alternative that still brings that festive glow.
The holidays can also be a prime time for break-ins. Keep your doors and windows locked, and avoid displaying expensive gifts where they can be seen from outside. Consider setting up a smart security system or using timers for lights to make your home look occupied, even when you’re out celebrating.
If you’re expecting guests, make sure walkways are clear of ice, snow, or any tripping hazards. A little salt on the steps can prevent slips and falls, keeping your holiday visitors safe and sound.
By keeping these simple safety tips in mind, you can focus on what matters most—spending time with your loved ones and creating unforgettable holiday memories. Here’s to a joyful and safe holiday season in 2024!
Wishing You a Happy and Safe Holiday Season!
Our Hearts Are with North Carolina During This Difficult Time
/in Insurance, Personal Insurance, SafetyWe are no stranger to flooding, 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 can save lives. Please take a moment to review these critical disaster and fire safety tips to ensure you and your loved ones remain safe.
Floods can strike without warning, bringing devastating consequences. However, with proper preparation, you can significantly reduce the risks to your home and loved ones. Here’s a comprehensive guide to preparing for a flood.
Check Flood Maps: Use resources like FEMA’s Flood Map Service Center to understand your area’s flood risk.
Stay Informed: Regularly check local weather forecasts and sign up for community alert systems for the latest updates.
Family Communication: Establish a communication plan with your family, detailing how to contact each other and where to meet if separated.
Evacuation Routes: Identify and practice multiple evacuation routes from your home and community.
Essential Contacts: Keep a list of essential contacts, including local emergency services, nearby shelters, and family members.
Essentials: Include water, non-perishable food, a flashlight, batteries, a first aid kit, medications, and personal hygiene items.
Important Documents: Keep copies of important documents, like insurance policies and personal identification, in a waterproof container.
Special Needs: Consider the needs of all family members, including pets, elderly relatives, or those with medical conditions.
Flood-Proofing: Consider flood-proofing measures like sandbags, flood barriers, or waterproof sealants.
Utilities: Know how to turn off your home’s gas, electricity, and water, and consider installing check-valves in plumbing to prevent backups.
Elevate and Secure: Elevate critical utilities and appliances. Secure outdoor items that could float away and block drains.
Flood Insurance: Standard homeowners insurance typically doesn’t cover flood damage. Consider purchasing flood insurance, especially if in a high-risk area.
Document and Inventory: Document your home and possessions with photos or videos for insurance purposes.
Avoid Floodwaters: Don’t walk, swim, or drive through floodwaters. Just six inches of moving water can knock you down.
Evacuate if Advised: Follow evacuation orders promptly. Delaying can put you and rescue personnel in danger.
Preparation is key to minimizing the impacts of a flood. By understanding your risk, creating an emergency plan, and taking proactive steps to protect your home and family, you can navigate through these challenging times with greater confidence and security. Remember, safety is paramount, and the well-being of your family and community is the top priority.
lood preparedness involves a combination of knowledge, planning, and practical actions. Regularly updating your plan and staying informed about the latest recommendations and technologies in flood defense can also provide additional layers of protection.
Tom and Harry at the Coffee Shop: High vs. Low Deductibles
/in Insurance, Personal Insurance, RelationshipsTom: Harry, I don’t understand why you’re still sticking with that low deductible. It’s like paying extra for nothing. I’d rather keep more of my money, thank you very much.
Harry: Oh, sure, Tom, just keep tempting fate. You’re betting on never having a claim. I prefer to sleep well at night, knowing if something happens, I’m not dropping half my savings to fix it.
Tom: Yeah, but that’s the thing—you’re paying that insurance company monthly just for that peace of mind. I mean, think about it. With a higher deductible, my premium is way lower. I’m saving money every month. Plus, it’s not like I’m planning to have an accident.
Harry: Right, because we all plan our accidents. I get it, you’re Mr. Optimistic. But what if your car ends up wrapped around a pole one day? What happens then, huh?
Tom: That’s when my secret weapon comes in—an emergency fund, Harry. I’ve got some cash set aside, just in case. So, if something does happen, I’m ready for it. Until then, I’m not handing over my hard-earned money for no reason.
Harry: Emergency fund, huh? It must be nice—some of us would rather avoid wiping out our savings. Besides, it’s not just about cars. What if your house floods or something?
Tom: Oh, come on, my house is up on a hill! The only flooding we’re dealing with is when my kids leave the garden hose running. But I get your point. Look, it’s not like I’m against coverage—I think having a higher deductible is a smarter way to save. Over time, the difference in premiums adds up. And it’s not like I’m flying blind—I talked to my insurance agent about it. They helped me figure out what made sense based on my finances.
Harry: Yeah, yeah, I talked to my agent too. They actually told me a higher deductible can make sense—if you’ve got the resources to cover it when things go sideways. But personally, I’m not taking any chances. I’d rather keep my deductible low and my stress even lower.
Tom: And that’s fair, Harry. At the end of the day, it’s all about what you’re comfortable with and what you can afford. That’s why talking to an agent is so important—they’re the ones who can help you weigh it all out.
Harry: I’ll give you that one, Tom. It’s like a choose-your-own-adventure book—you just have to know which chapter makes the most sense.
Tom: Exactly! So whether you’re the risk-averse type like Harry or a risk-tolerant maverick like me, the right place to start is with your agent. They’ll help you decide whether high or low deductibles are right. It’s all about finding that balance.
Harry: And, of course, figuring out which one of us gets to buy the other a coffee with all that “savings.”
Tom: Ha! Now that’s a deductible I’m willing to pay.
Personal Insurance Planning
/in Customer Service, Insurance, Personal Insurance2025 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 necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans? Call our office today, and we can help you find the right combination of coverage and price.
Insurance resolutions
Have I experienced any of these changes? It may impact your insurance
Home Insurance Companies Limiting Coverage on Older Roofs
/in Insurance, Personal InsuranceWhat 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 insurance companies taking this stance?
Older roofs are more prone to damage and leaks, leading to costly repairs and claims. Trees nearby can also increase the risk of damage from branches and debris. Insurance companies aim to mitigate these risks by limiting coverage and encouraging homeowners to take proactive steps to maintain or replace their roofs.
What does this mean for homeowners?
If you own a home with an older roof, especially one near a tree line, it’s crucial to review your insurance policy and understand the limitations of your coverage. You may need to:
Don’t wait until it’s too late!
Contact your insurance agent today to review your policy and discuss your options. We can help you navigate the process and ensure you have the right coverage to protect your home and your investment.