Insuring a Home Based Business

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Have you or someone you know planned to operate a business out of your home?  The U.S. Small Business Administration (SBA) reports that over half of all small businesses in the United States today are home-based businesses. We’ve seen this growing trend in…

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Why Does Reconstruction Cost More Than Construction?

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By Ginger Carlon From time to time, a client will question the appraisal value of their home because they feel the amount is too high.  Our Personal Lines team often has to address why the cost to rebuild or reconstruct a home…

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Do My Business and Personal Risks Overlap?

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In today’s market, we see that many times a client’s business liability and personal risks can overlap.  We can work with you to protect your assets, advise you of potential risks, and keep you abreast of market changes and coverage.  We believe it’s…

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What Does Homeowner’s Insurance Really Cover?

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By Ginger Carlon When I started my insurance career in 2004, I knew little to nothing about insurance.  One of my first questions was regarding what my homeowner’s insurance policy covered.  I really had no idea. What I learned is that the home…

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What Does It Mean To Be A Trusted Choice Insurance Agent?

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By Ginger Carlon I was asked recently what it means to be a “Trusted Choice Independent Agent.”  Actually, there are two kinds of insurance agents, captive agents and Independent Insurance Agents. We are independent agents, and there is a big difference! Captive agents…

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Insurance Scores

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Insurance scores can make a huge difference in the cost of insurance.  Today, insurance scores are used by companies to predict the potential for future losses, and are based on your credit history.  As a rule, customers who have high (good)…

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Just How Much Personal Property Insurance Does a Homeowner Need?

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One question we often get is- “Just how much personal property insurance does a homeowner need?” We advise our clients to consider what it would cost to replace all of their personal items after a total loss from a fire. Depending…

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Flood Insurance May Be Worth It In Greenville

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All 50 states can have floods and flash floods, and more than 20 percent of flood insurance claims come from those living in moderate-to-low risk areas, according to the National Flood Insurance Program. In addition, everyone lives in a flood…

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