Agency

Insurance is a practical tool for managing financial exposure. While both personal and commercial insurance serve essential roles, they differ significantly in scope, structure and application. What Is Personal Insurance? Personal insurance may provide financial protection for individuals and families against risks such as death, injury, illness or loss of property. Common examples include auto, […]

Understanding the risks your business faces is a crucial step in financially protecting your operations, assets and employees. At , we believe that a thorough risk assessment is the foundation of effective commercial insurance planning and are prepared to offer guidance on this crucial subject. Why Risk Assessments Matter A risk assessment can help identify […]

Owning a vacation home or second property is a dream for many, offering a personal retreat or an investment opportunity. However, protecting this asset with the right insurance is crucial. Home insurance for vacation homes differs from standard homeowner policies due to the unique risks and usage patterns associated with these properties. Why Specialized Coverage […]

Homeowners insurance is designed to protect your property and belongings, but standard coverage may not be enough for high-value items. If you own expensive jewelry, fine art, collectibles, or luxury electronics, it may be worth considering whether additional protection is appropriate. Understanding Standard Policy Limits Most homeowners insurance policies include personal property coverage, which can […]