A homeowner has a responsibility, or rather desire, to take care of what is theirs. Part of that protection is to focus on having the right policy in hand, and while they all tend to follow a general design, there is a lot going on in the fine print that you should know about. Since knowledge is power, let’s take a close up look at the many pieces of a homeowner’s policy so that you know exactly what you’re dealing with. Keep in mind that having a relationship with your insurance agent is ideal as they have your best interest and will likely follow up with you annually versus a 1800# insurance company. [Read more…]
I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you a ton of money!
I certainly don’t mean to be a “Debbie Downer”, and I know that if it’s done right it can be lucrative, but from an insurance agent’s perspective, I don’t see a lot of people doing it right.
So you’re probably thinking, “Well Kicker, you are an insurance agent. What do you know about real estate or rental properties? Why should I take advice from you?” [Read more…]
I was recently asked this question by one of our personal insurance clients, and thought I would share the answer here for our readers.
There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot of complaints from people who don’t like the fact that insurance companies use credit in their underwriting.
Some people have absolutely no idea that it’s used in the rate at all.
At the end of the day, there’s not much we can do about it though. Insurance companies have been using credit in their rates for decades, and that’s not likely to change. [Read more…]
Why do my auto insurance rates keep going up even though my car is getting older? At Kicker Insures Me Agency, many of our clients ask this question so I would like to address it from a couple of angles.
First things first, even though it’s called car/auto insurance, it covers more than just your car. It should technically be called “auto-owners” insurance, similarly to how home insurance is actually called “home owners insurance”.
It’s important to understand that there are a lot of variables that go into insurance premiums, and with auto insurance, it’s no different. [Read more…]