Succinct article about the rising cost of homeowner's insurance. VERY telling that you see all the companies out there advertising like mad for the customer's auto insurance, but no one advertises for their home insurance. Expect prices to keep rising, especially with the large captive carriers.

As an insurance agency one of the hardest thing to get the buying public to wrap their heads around is the issue of "Replacement Cost" vs "Market Value" of their homes. The replacement cost is determined by taking all of the details about your home; construction type, year built, zip code, upgrades, basement etc., and using insurance company provided replacement cost guides and coming up with the estimate to answer the following question: "If the home were destroyed what do we (the insurance com...

An insured called to advise that he was going on vacation and renting a car in his name. He has a 19-year-old who he understands cannot drive the rental car by requirement of the rental car company. However, he is planning on letting the 19-year-old drive the car anyway. Read More