By now, we know that national health care is here to stay.  It will change and adapt as the year progresses, but it will stay.  There are two components of the new national health care law, the individual and the group.  Due to an increase in client questions regarding the individual marketplace, we will focus on that segment here. The Background What is an Exchange anyway?  In its most basic form it is a set of government-regulated and standardized health care plans from which individuals may purchase health insurance. Each invidual state has the option of 1.) joining with the … Continue reading

We make it our business to be ready, if and when our clients need us the most.  This comes at the time of an insurance claim.  Every insurance company works differently but we have found that there are specific measures every property owner should take when experiencing a claim.  Taking the proper precautions from the start can greatly reduce the time and energy spent by all parties.  Whether you’re talking home or auto, read on to find out what you should do to maneuver through your claim. Report all claims immediately – the sooner you report an auto or homeowners … Continue reading

Many clients ask me what they can do to accumulate discounts on their home insurance to lower their rates.  There are a variety of ways to do this while making your home a safer place for you and your family.  We have highlighted some big ticket savings below: 1.  Install Central Alarms – the higher your home’s security level, the better off you are in terms of suffering from a theft claim.  This has an impact on your insurance rates!  The better the alarm type, the greater the discount. 2.  If you aren’t using your woodstove, take it out of … Continue reading