Why not just buy a policy online or use a company with a call center? 1. When you go online to purchase a policy you do not have a licensed agent advising you on how much coverage you need. I tell you how much insurance you need based on what you own and how much you...

Ever feel like your insurance agent is asking a million questions just to get a quote? The reason for this, as an independent agent, is that companies give discounts for a variety of different things. Here is a list of some of the potential insurance discounts that...

Is there anything you need to do when renewing your homeowner’s insurance policy? Yes! 1.  Did you create a Trust and change the deed of your property into the name of your trust? It is extremely important to make sure to update your policy and add the trust,...

Most people think they don’t own much so why would they need a million dollar, or more, umbrella policy? Even if you don’t have much in the way of assets, you can still have your future earnings garnished for life. Imagine how that would affect your lifestyle if that...

Personal Injury is an optional coverage on your homeowner’s insurance policy. The option provides coverage for libel, slander and defamation. Most people think they don’t need this because they are not a public figure. Wrong!  In the age of social media everyone is...

Many people think all home insurance policies are the same. Your coverage can vary widely with different home insurance companies. For example, you have damage to your roof from a hail storm and the roof needs replaced. Some home insurance policies would pay for the...

Do you want to keep the lifestyle you have become used to?  Do you want to protect yourself from losing your home or other assets? If the answer to these questions is yes then you have come to the right place. Most people shop insurance based on price. Beware, not all...

Ever used one of those new ride share companies instead of calling a taxi? Or have you thought that sounded like a great way to earn some extra money? Several companies have begun to attract drivers and passengers, getting them to download a new app to use their...

Every insurance company calls it something different, but it amounts to about the same thing. In Arizona, we have a lot of rocks and debris on the road. Your windshield in particular is going to chip, or crack every so often. Depending on your luck, you might need a...