Did you know John Jay Pittman built a famous coin collection that his family sold in 1996 when he passed away for $30 million? Over time, people started collecting other values from art to alcohol to jewelry.
Valuable collections can be worth millions of dollars, if not more. Keep reading, and we will walk you through collectibles insurance and why you should insure everything, from jewelry to alcohol. [Read more…]
As the summer draws to a close, it seems that our time spent isolating at home isn’t yet over. While working remotely from the comfort of the couch may have seemed like a mini-vacation several months ago, you may now find yourself feeling restless.
Fortunately, there are tons of positive activities you can pick-up and practice while self-isolating. If you’ve been putting off a home maintenance project or task, now is the time to take charge and get it done.
Caring for your home is crucial to keeping your household healthy and safe. Keep reading to learn how essential routine maintenance is, especially now. [Read more…]
Accidents happen — that’s just a part of life. With the right insurance, you can avoid financial ruin following an accident that causes injuries or property damage.
While there’s not always a “one-size-fits-all” fix in life, personal umbrella insurance can at least protect you when accidents happen.
Umbrella insurance (also known as excess liability insurance) is a fail-safe option for your savings. If you’re sued for damages, an umbrella policy will help you pay what you owe. An umbrella policy with $1 million in coverage costs about $150 to $300 per year.
That’s just the start, though. Keep reading to learn all about personal umbrella insurance, who needs it, and why! [Read more…]
Life insurance is a valuable thing to have so that you can take care of your family when the time arrives.
You may wonder, “how much life insurance do I really need” and how much is too much or too little?
Read on to learn more about life insurance so you can decide how much is right for you and your family.
One way to determine the amount of your payout for life insurance is to add up the total debt you currently have. When you think of life insurance, think about the things you’d owe money for in the event of your passing. [Read more…]
The insurance industry is filled with confusing jargon that most people just don’t understand. Do they do this on purpose? Maybe. Really – of course not! You do, however, need to know and understand insurance talk. Or, better yet, have a personal relationship with your independent insurance agent and get to know them over time and ask questions.
A common misunderstanding is with insurance agents and adjusters. Are they the same person? Nope.
Check out the difference between an insurance agent and an insurance adjuster. Let’s cover each one separately. [Read more…]
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…]
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…]
