Credit Scores and Insurance Scores Knowing Yours is Important!

Folks, this is really important stuff. These scores will actually effect what you will pay for your Insurance Premium. ” Many insurance companies believe that credit scores help them underwrite better.This is because insurance companies have shown that a direct relationship exists between a person’s credit score and that person’s likelihood to file a claim. In […]

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Why do I need an Independent Insurance Agent? Here’s a C.L.U.E

Ok, here comes more Insurance babble. What is C.L.U.E.? Well, it’s not a board game, that’s Clue. C.L.U.E. stands for Comprehensive Loss Underwriting Exchange. “That’s Nice. So what is it?” Simply put, it is a network of information used by your Insurance Co. to report losses. This information is shared by other Insurance Companies. The […]

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The Insurance Agent asks: Can Pre-existing Conditions be covered?

Of course they can! Simple answer, isn’t it?  But we do have to consider those nasty probabilities.  No!  “The Insurance Agent” is not going to bore you again.  You will just have to re-read his last blog.  For now, let’s just say that if a condition exists now, it is probable that it will continue to […]

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The Insurance Agent looks at 2 sides of the Health Care Issue.

The ” Insurance Agent” has received comments suggesting that he is biased. Well, tell me someone who isn’t. Seriously Health Care is a hot issue and we all have some feelings about it one way or another. It has always been my intention to be as factual as possible and let you come to your […]

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Has the Storm of the Decade damaged your home?

If you have noticed water on the inside of your home when it should be on the out side, or if you notice water spots on your ceiling your home has most likely been a victim of the “Storm of the Century”  Makes you long for global warming dosen’t it? Before we talk about what […]

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How much is my home worth?

Prices are up!  Or are they down? “How about my house?” Have you asked yourself that question lately?  My neighibor just sold her home for $400,000. It is identical to mine but my tax bill says it is worth $290,000.  “I just checked my Homeowners Policy, it lists my home at $350,000. Which is correct?” […]

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Insurance 101

We all need it. We all buy it. Most of us dislike it. Very few really understand it. Please allow me to give you the text book answer. “Insurance is a Social Device that allows for the management of an Unforeseen Fortuitous Event” Wow! Big words but a pretty simple concept. Fortuitous: accidental Unforeseen: I […]

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An Insurance Agent Challanges our Lawmakers!

In my last blog I outlined some of the factors that contribute to the high cost of Health Care.  I listed the cost of Medical Malpractice Insurance as one factor.  President Obama, in his State of the Union Address, did the same when he mentioned the drain on our health care system caused by frivolous law […]

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An Insurance Agent’s thoughts on Healt Care Costs

If you run a household or a business your goal should be to cut your costs.  Before we can cut those costs we need to know what they are: “How much does it cost to: own or rent my home, to heat it, to keep it clean and my personal favorite, how much to insure […]

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An Insurance Agent’s Thoughts on Health Care

First of all, are we talking about the quality of Health Care or the cost of Health Insurance? If you see your Dr. and He or She can’t properly treat your illness, that is poor health care quality. If you can’t see your Dr. because you can’t afford Health Insurance, we have a different problem. […]

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