Which one is best for your homeowner’s policy: actual cash value or replacement cost value?

by Tosten1980 | Feb 20, 2018 | Blog, FYI, home insurance, Insurance

Insurance policies are full of language and terms that may not be clear right off the bat. Many terms are specific to the industry and to the specific type of insurance that is being purchased. Having a local insurance agent for all of your insurance coverage allows...

Simple Steps to Protect Your Jewelry

by Tosten1980 | Feb 7, 2018 | Blog, FYI, home insurance, Insurance, renters insurance, Theft

Jewelry is valuable not only because of its beauty, but the special meaning behind it. Does it represent 30 years of marriage? Was it passed down from a great grandmother? Was it given to you to celebrate a special moment? Between its sentimental value, as well as...

Items to Consider If You Want To Own a Vacation Home

by Tosten1980 | Oct 10, 2017 | Blog, FYI, home insurance

Owning a secondary home or vacation property can be a rewarding experience and allow you to build so many memories! While owning a vacation home can have countless advantages, it does bring some unique responsibility and maintenance. Regardless of whether you’re...

Home Security on a Shoestring Budget

by Tosten1980 | Sep 12, 2017 | Blog, FYI, home insurance, home safety

Monthly bills can be daunting and for many, the choice of having food and shelter is more important than keeping burglars or robbers away from your home. However, when times are tough, the last thing you want to do is leave your valuables at risk of being stolen....

Engagement Ring Coverage

by Tosten1980 | Feb 8, 2017 | Blog, home insurance, insurance tips, renters insurance, Theft

Getting engaged is an exciting time and brings happiness to not only the couple, but their family and friends. While the new couples should cherish this special moment, they should also find an insurance policy to protect the engagement ring immediately. Anything can...

Surprise! Homeowners Insurance Can Give you More than Just Coverage for Your Home

by Tosten1980 | Dec 28, 2016 | Blog, home insurance, insurance tips

We typically purchase homeowners insurance to protect our largest investment – our home. But homeowners, and often condo and renters insurance too, includes many other items besides your home. Let’s take a look at just a few items that might be covered by your...