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Insuring the Wizarding World of Harry Potter

Since starting a career in the insurance industry, I’ve come to understand the importance of having proper insurance coverages and the consequences those face without it. Even in some of my favorite books, shows, and movies the characters could have…

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When the In-Laws Move In: Are They Covered?

As the Baby Boomer generation continues to grow older, it’s not uncommon to see aging parents move in with their grown children. Regardless of the reason, this situation is becoming more widespread and could potentially create insurance ramifications.  In fact,…

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May Flowers May Bring Unwanted Intruders

Everyone loves when the seasons change to warmer weather.   Flowers are blooming, winter coats are put away, and vacations are being planned.  Unfortunately, with this change comes an increase in home burglaries.   If anyone has been burglarized, they know how violating it…

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Replacement Cost Value Versus Market Value: What’s the Difference?

Many homeowners often wonder why the limit on their homeowner’s insurance policy is more than the market value of their home. In some cases, there can be a drastic difference between what you recently paid for your home versus how…

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What is a Deductible?

If you’ve ever had an auto accident or a homeowner’s claim, you have likely talked about your deductible. A deductible is the amount that is “deducted” or subtracted from the overall loss amount. So theoretically, if you have an auto…

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Man’s Best Friend or a Liability?

I am an animal lover, but dogs are my personal favorite. They are great company and it’s in their nature to seek your approval and love. Dogs are said to be “man’s best friend”, but have you ever thought about…

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What is Additional Living Expense Coverage?

Not many people sit and think about what they would do if a devastating tornado or fire completely demolished their home and left them “homeless.” When the unthinkable happens, Additional Living Expense, an often overlooked coverage that is typically part…

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