Understanding Insurance

Insurance is one of those necessary, but headache-producing topics that most people prefer to avoid.

That’s why going to an insurance agent is such a handy way of handling your insurance needs. A good insurance agent will listen to your needs and recommend the coverage and policies that will work for you and your budget.

But did you know there are two kinds of insurance agents?

They are the captive agent and the independent agent. Let’s look at what each type of agent is and help you decide which type you should choose to hire. [Read more…]

The insurance industry is filled with confusing jargon that most people just don’t understand. Do they do this on purpose? Maybe. Maybe not. You do, however, need to know and understand insurance talk.

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. [Read more…]

I was recently asked this question by one of our Kicker Insures Me Agency 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…]