by clohrey | Aug 21, 2018 | Uncategorized
As I insure more and more investors I see the dilemma of choosing either actual cash value or replacement cost for their properties. In the end, it really comes down to the investor and what the savings is with each carrier between the two and if it is worth it if...
by clohrey | Aug 2, 2018 | Uncategorized
GAP coverage is something most people get through the dealership but what people don’t realize is that they can get it for half the price through their auto insurance carrier! GAP coverage covers the gap that might occur if you total your vehicle and the insurance...
by clohrey | Jul 26, 2018 | Uncategorized
Many business owners either have this coverage and are not sure what it covers or do not have a business auto policy and believe they don’t need it. This is a very important coverage that ALL businesses should have on their business policy whether they have business...
by clohrey | Jul 15, 2018 | Uncategorized
I find many times people don’t truly understand if they should have full coverage or liability only on a vehicle. I have seen people put full coverage on 15 year old vehicles with 200,000 miles on it. The common misconception is that “full coverage” means that no...
by clohrey | Jul 3, 2018 | Uncategorized
Few people are talking about a type of life insurance policy where you get all the premium you put into the policy back at the end of the term! This of course is a term policy typically being 10, 20, or 30 years long which most people are familiar with. With this...
by clohrey | Jun 12, 2018 | Uncategorized
Many people do not have a clear understanding of all the benefits of a kid’s whole life insurance policy. Most of the time the thought is “nothing will happen to my child anytime soon so why would I purchase this?” This would be a good thought if you were only...
by clohrey | Jun 7, 2018 | Uncategorized
I have heard many different views on whole life vs term life insurance. I believe there is value in both policies as they do different things. Term is great for covering a debt like a mortgage or student loan because it only covers a certain amount of time, typically...
by clohrey | May 20, 2018 | Uncategorized
When it comes to insuring rental properties many people are not sure what exactly they are insuring and how it differs from a regular homeowners policy. There a few things to look for when evaluating a policy. Dwelling Coverage: This part of the policy is the same as...
by clohrey | May 8, 2018 | Uncategorized
Long term care insurance is something we all know we need but tend to put off. We don’t want to think we would ever end up in a nursing home or needing personal care, but when we we see our parents and grandparents needing this type of care, we see that it would sure...
by clohrey | Apr 24, 2018 | Uncategorized
I find there is a lot of confusion around life insurance. It seems most people have a term policy with their auto and home insurance, but they aren’t sure how long it lasts. All they know is that they have some sort of discount on their home and auto. What...
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