Entries by Admin

The Independent Agent Advantage

What do I give up by not using a licensed independent agent to purchase insurance? The disadvantage of not using a licensed agent to purchase insurance is that the policyholder does not receive as much, or often any, personal service. A licensed agent with whom there is direct contact can be vital when purchasing a […]

Lightning and Summer Storms

Lightning storms are incredibly dangerous and more deadly than tornadoes, floods and hurricanes. When a storm is on the verge of striking your area, you need to know the steps to take in order to protect your family and home. Use these tips to stay safe during a lightning storm: Seek shelter in an enclosed […]

Quick Tips for Safe RV Usage

Recreational vehicles (RVs) can be a fun way to see the country and spend time with your family. However, because they’re bigger and heavier than an average car, there are additional hazards that come with owning and operating an RV. Many RV accidents can be avoided by following these helpful tips: Know the weight capacity […]

Is Gap Coverage Right for You?

Guaranteed asset protection, or gap insurance is an optional automobile coverage that helps you transfer the financial risk if you are involved in an auto accident and you owe more for your vehicle than the amount that it’s worth.

Making Sure You Have the Right Auto Coverage

Dropping some of your coverage—like comprehensive or collision—to the lowest legal level can cut your premium, but it could also put you at serious risk. An automobile insurance policy is designed to provide you with a level of protection against property, liability and medical costs if you are involved in an accident. Property coverage pays […]

Are You Prepared for a Home Break-in?

While it may be difficult to imagine it happening to you, home break-ins are a common occurrence. If an intruder enters your home, your property and the well-being of your loved ones are at risk. In order to protect your home and family from an intruder, consider doing the following: Put an emergency plan in […]

Remember Risk! Planning for Financial Stability

Obtaining the peace of mind financial stability brings starts with reviewing your current financial resources. This is important because your financial resources affect not only your ability to reach your goals, but your ability to protect those goals from potential financial crises. These are the resources you will draw on to meet various life events. […]

TN Motorists To Face More Penalties For Driving Without Insurance

If you’re thinking about driving your car without insurance you may want to think again. Big changes are coming this summer. Studies estimate one in five Tennessee drivers don’t have auto insurance. Sara Kiesling told NewsChannel 5 she was hit in a parking lot. “And it’s frustrating when other people don’t and then we’re the […]

Teens, Social Media and a Parent’s Liability

For many the high school experience comes with social pressures and obligations to fit in and belong, and sadly this can lead to exclusion and isolation of some students. At some point everyone probably said something in their teen years in the heat of the moment that they now wish could be taken back, but […]

Don’t Be Fooled: Auto Insurance State Minimums Probably Aren’t Enough

There are a wide variety of silly and somewhat funny things we can do from time to time, like telling people that dihydrogen monoxide is coming out of the sink (dihydrogen monoxide is the chemical name for water), but one thing you should avoid falling for as a consumer is being told that carrying only […]

Was Your Home Loan Sold? Quick, Call Your Insurance Agent!

Do you have a mortgage? Yes? Then at some point in your home-owning life, you have received a letter telling you that your mortgage has been sold to another lender. There’s certainly nothing unusual about it when this happens, as home loans are sold every day in the United States. It is a very common […]

Home Inspections Before Winter Weather Comes

This time of year can be just great here in Tennessee. However, you won’t get much fireside snuggling done if your chimney clogs or your roof springs a leak. And while prepping your home for winter weather isn’t much fun, once you do it, your peace of mind can last all season long. Here’s a […]

5 Big Insurance Mistakes

TRYING TO SAVE MONEY? AVOID THE FIVE BIGGEST INSURANCE MISTAKES. With far too many Americans out of work, and others forced to make ends meet with less money, many people are looking for ways to cut costs. There are smart ways to save on home and auto insurance; however, there are also mistakes that can […]

Scheduling Under Homeowners

SCHEDULING ITEMS UNDER YOUR HOMEOWNERS INSURANCE Perhaps it’s the latest electronic gadget or large screen hi-def television, or new sporting goods gear or maybe a piece of sparkling jewelry. If you happen to receive or purchase a particularly expensive item, you may consider purchasing extra protection, just in case. Why would I need to schedule […]