Does the peach torte have nuts?

My wife and I had a business networking social to go to and we were supposed to bring something. My wife decides to make her soon-to-be-famous white peach torte. But then she looks at me and says, “Do I have to put a sign on it that says it contains almonds?” She was asking because she didn’t want anyone to get sick if they had a nut allergy. Then she giggles and says, “What kind of insurance policy would I need to cover my… torte?!” And she asks other questions too. Like “If the water heater in the...

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Points on… Renters Insurance

> One of the biggest misconceptions that renters have is that their property inside the rental unit is the responsibility of the property owner. The property owner’s insurance does NOT cover your belongings that you have in the rental property nor are they responsible for damages to your belongings. > On a renters insurance policy you will need to decide if you want, “market value” which is how much your property is worth in today’s market or  “replacement value” which is how much it would cost today...

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Points on… Auto Insurance

Points on… Auto Insurance

The difference between comprehensive and collison is… when your car collides with something it’s collison. When something happens to your car (like a tree falling on it, hail, graffiti, etc.), it’s comprehensive. In a recent commercial an insurance company said, “you will never be dropped”. This may be true, but more than likely your rates will go so high, you may WANT to drop THEM. Watch the fine print… many of the auto insurance commercials you see today say things that sound really good… but when you see the...

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Collision vs. Comprehensive Auto Insurance

As with most types of insurance, auto insurance covers various aspects of the risks associated with driving an automobile. In the United States and many other places, the law requires you to insure yourself against specific auto-related risks, while good sense suggests that you protect yourself against a number of other risks as well. Collision insurance, as its name implies, protects you against vehicular damages that result from an automobile collision. This collision can result from contact with another automobile, an animal or any other...

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Sweet Sixteen and… Behind the Wheel!

Sweet Sixteen and… Behind the Wheel!

One of the most wonderful moments in a parent’s life is watching the excitement in their teenager’s eyes as they pass their permit test and get behind the wheel for the first time… then they talk to their insurance agent and the reality of financial responsibility sets in… how is a sixteen-year-old additional driver going to affect my insurance rates? Should we get them their own policy? Should we allow them on ours? Is it better to let them get their license or make them wait? Is it better to exclude them from the...

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