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NO. Although they offer to, technically they cannot because they are not the “Named Insured” on the policy. Only the “Named Insured” on the policy can make changes. If we get calls from dealers we will verify with the client that they have in fact, traded in or purchased a new car. READ MORE >>

Should I have an Umbrella policy? The typical personal auto insurance has limits of $100,000 per person and $300,000 per accident. Most personal auto insurers offer maximum limits on their policies of $250,000 per person and $500,000 per accident. A serious auto accident can have damages which far exceed the limits of your personal auto policy. READ MORE >>

For certain categories of personal property (jewelry, art, antiques, and others) a basic homeowners policy has limits on how much it will pay, as well as what conditions of loss or damage are covered. A quick review will tell you if you need a rider for your more valuable goods. READ MORE >>

Market Value vs. Reconstruction Value Ensure that your homeowners policy limits correspond to the cost to rebuild in case of a natural disaster, whether it is a wildfire, hurricane or flood. Unlike a home’s resale value (which includes the cost of the land), the cost to rebuild is based on the amount needed to hire a contractor plus building materials and other additional costs. READ MORE >>

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