Introducing a whole new concept in insurance:

Price Insurance Exchange (PIE) - Our mission is to connect with other amazing local insurance agents, to help customers find a "sweet" deal on insurance.  No matter how you slice, everybody wins! 






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Does Getting Married Affect my Auto and Home Insurance?

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  Many car insurance companies offer a discount to married drivers. Men under the age of 25 statistically have the most expensive auto insurance premiums, but they get a discount for being married. If both husband and wife have good driving records, it makes sense to combine coverage, especially if they each have only one vehicle.  Putting a second vehicle on either policy will add a multi-vehicle discount, along with the discounted “married” rate. If the current policies are with two different carriers, check with each agent, to see which one offers the best overall rate for both drivers and vehicles.  Keep in mind that if your autos are bundled with your home insurance, there’s usually a substantial discount for that.  If you “unbundle” an auto/home package to move your vehicle to your spouse’s policy, it may cause the home insurance to go up. Does it make sense to keep our policies separate? There are certain circumstances where it may not make sense to combine th...
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Why Does My Homeowner Policy Have Such a High Dwelling Limit? My House Isn't Worth That Much!

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The "value" of your home is different for real estate, taxes, and insurance.  Let's look at the differences  between a real estate appraisal , the purchase price , the property tax appraised value , and the reconstruction cost estimate .   Let's start with the property tax appraised value. With older homes, the amount taxed can be very different than the real estate appraisal. A real estate appraisal takes into consideration the age and condition of the home, plus upgrades and additions. The purchase price is usually based on a combination of the real estate appraisal and the  market value . Market value is the amount similar homes are selling for (within a certain distance of the home's location). The reconstruction cost estimate is the amount insurance companies use to calculate the cost of rebuilding your home if it is severely damaged or is a total loss after a covered event such as tornado or fire. Although each carrier uses their own version of the RC...
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Off-Road Vehicle Insurance vs Coverage as Part of Homeowner's Policy

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Photo: Courtesy of  Mikhael Mayim @pexels.com If you have an ATV, Side-by-Side, Golf Cart, Dune Buggy, or other off-road vehicle, some coverage may be provided on your homeowner policy.  So why buy off-road vehicle insurance? Home policies typically have restrictions based on vehicle maximum speed, engine size, usage and value. Liability coverage may exist, but only on the residence premises. Extra coverage for off-premises use may be available for an additional premium on your home policy, but not all vehicles are eligible. Medical payments coverage on the off-road policy is primary, and will pay in the event of a loss before any other insurance is applied.  Medical coverage option (for off-road vehicles) is not usually offered on home policy packages. Physical Damage coverage is for direct and accidental loss for many kinds of claims (weather, collision). Usually, a separate policy must be purchased for this coverage, over and beyond the homeowner policy. An off-road po...
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