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Coinsurance 101: Sharing the Risk

You’ve heard of coworkers, cosigning, and cofounders.  But have you ever heard of coinsurance? The coinsurance clause is a provision which requires you to carry enough insurance on your property so the coverage amount is equal to a certain percentage of the property’s…

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Hold the Caffeine for Insurance Coverage

How much do you spend on groceries each month?  Gas?  Cell phones?  Car insurance?  I recently made a list of my monthly expenditures in preparation for a meeting with my financial advisor. How did my list look after completing this not-so-fun…

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Is There An App For That?

So you just bought the iPhone 5 and are enjoying the endless conveniences and fun that come with a smartphone. If you’re like most people, your mobile device goes where you go.  And a device that goes everywhere you go is…

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For College Students, Some Exclusions May Apply

With college kids back to school, parents often call to remove their children from their auto policy to try to save a few dollars. While this may be possible in some states, it is not the case for all. In…

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