Wednesday, July 5, 2023 Insurance companies primarily make money in two ways: from investments and by generating an underwriting profit—that is, collecting premiums that exceed insured losses and related expenses. It all begins with underwriting. Insurers, whether life or nonlife, must assess the risk and gauge the likelihood of claims and the value of those claims. READ MORE >>
Wednesday, May 24, 2023
In the context of the insurance industry, a "hard market" refers to a market condition characterized by various factors that drive insurers to adopt a more cautious and defensive approach. These factors include increased claims activity, social inflation affecting jury awards, stock market fluc... READ MORE >>
Friday, May 5, 2023While wildfires happen more frequently in the western United States, nearly every state has been devastated by fires in the last century. And each year, hundreds of homes are destroyed as more people choose to live closer to nature. Before a wildfire Create a defensible space, at least a 30-foot noncombustible zone around your home. READ MORE >>
Wednesday, April 12, 2023 If you don’t know what service lines are, you’re not alone. Simply put, service lines connect your home to electricity, gas, water, sewer, internet, and cable lines. They run through or underneath your property and connect from your house to a city’s main supply for these services. READ MORE >>
Tuesday, April 4, 2023 Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many areas of the country, and they help keep things green, even if they keep you inside. READ MORE >>
Thursday, March 23, 2023 If your yard screams “soggy” rather than “lush” after our PNW winters (hello, 80% moss lawn), some simple landscape changes might be just what you need to improve your home’s appearance while minimizing potential flood damage. Channeling away or containing excess water is the key. READ MORE >>
Tuesday, January 31, 2023 Damage to Fences, should you file a claim? Our answer in most cases is a resounding NO, but let us explain... Fencing is typically included on your home insurance policy as part of your detached structure coverage also referred to as Other Structures or Coverage B. READ MORE >>
Thursday, January 12, 2023 5 Tips to Help Prevent Tree Trouble Trees are pretty amazing things. They produce oxygen. They serve as natural air conditioners, both by blocking sunlight and through evaporation. And they even absorb sounds, helping to keep things peaceful. READ MORE >>
Tuesday, January 3, 2023 4 Things to Consider When Insuring a Second Home Everyone loves vacation. But, vacationing in your own seasonal home? Even better. However, there’s a lot to consider when it comes to protecting your investment in a vacation home, and you definitely want to protect it. READ MORE >>
Wednesday, December 21, 2022 When possible, call us or your insurance advisor FIRST to discuss your claim. Q. I've been in an accident – what now? A. If possible, start by reporting your claim to US your insurance agent. If not, please call your insurance company. We will need to know: READ MORE >>
|
Blog Archive
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
 |