Don’t be surprised by the cost to rebuild your home

home-inspection

An inspection can help identify special features in your home.

Many people don’t know where to start to estimate home value when purchasing homeowner insurance. For some, the first instinct may be to insure the home based on mortgage value. Others may look at real estate market value, property tax basis or some other factor. But any of these values could be far less than the actual cost to rebuild, and that is the key consideration when buying insurance to protect against a loss.

There is no way to guarantee the cost to reconstruct your home in the event of a loss at some future date, but there are a couple of tools that can point you in the right direction. Read More

When deer are in your headlights

deer-crossing-road

Deer collisions increase in fall and early winter.

As the outdoor temperature gradually drops, deer activity and deer-vehicle accidents increase. Every year across the country, deer-vehicle accidents account for billions of dollars in vehicle damage, thousands of injuries and hundreds of fatalities. These tips can help you avoid a collision with a deer and stay safe while on the road.
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How much life insurance do I need?

meet-life-agent

Your agent can use software to help you determine how much life insurance you need.

Once you have decided to purchase life insurance, the next question to answer is how much to purchase.

Some people select coverage based on an arbitrary amount: $100,000 or $200,000. Others purchase enough to pay off a home mortgage or other major bill. And some stick to the tried-and-true measure of 10 times salary.

But there are other methods to consider. You can complete a fact finder/needs list or use a life insurance calculator. Read More

Stay alert for vehicles damaged by Hurricane Sandy

flooded-car

Know a used car’s history before you buy.

The counts vary, but it has been estimated 225,000 to 300,000 vehicles sustained flood damage as a result of Hurricane Sandy. What happened to those vehicles? In some case, unscrupulous opportunists bought them for pennies on the dollar. The vehicles were dried out, shined up and offered for resale for hundreds — sometimes thousands — less than the fair market value. Good deal? Maybe, if you don’t mind the vehicle’s mechanical, electrical or safety systems potentially (more like probably) failing at any time. Read More