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Getting a quotation on your insurance can be done by visiting any number of web sites, but we think that is a bad idea; it is something like getting tax advice from the IRS. How and what you insure is unique to you. Chances are that you currently have standard or “boilerplate” coverage. In most cases that works fine, but occasionally something goes wrong, and to your disappointment, the insurance company denies the claim. We think that it is a better idea to discuss your insuring needs with someone who has a professional insurance background. When you have determined what and how you should insurance, then get quotes for comparison.

It would be simple for us to have an on-line quoting system, but we believe the purchasing of insurance requires advice from a professional agent, C.P.A., or attorney. Rarely does it cost more to insure through an independent agent. Your insurance should be structured to protect your assets.

Because most cars and homes are financed, and lenders require specific coverage, insurance has tended to become a commodity. When you get a quote on personal or business insurance, it is very difficult to get an “apple to apples” quote; the reason being that not all policies are the same. In addition, most quotes are for basic coverage. We have all heard the commercial that says, “You can save up to15% on car insurance through….” You can also save a bunch of money if you self-insurance. The problem is that you – not an insurance company - have to pay for a loss.

We would like to suggest reading the Risk Management summary. This might be helpful in determining how to insure.