Wednesday, November 27, 2019 Car insurance premiums are made up of many different parts. The cost of liability, comprehensive and collision coverages are calculated separately from one another. Here’s how comprehensive and collision insurance is priced. The insurance company actuaries are tasked with calculating the probability that you will get into a car accident. READ MORE >>
Tuesday, October 29, 2019 If you have a neighbor with a dead tree, what should you do to protect yourself and your family? Obviously, make your neighbor aware of the dead tree, and find out if he/she plans to have it cut down. If they do not cut it down, send them a certified letter informing them that the tree needs to be removed. READ MORE >>
Tuesday, October 29, 2019 Are you getting all the discounts you deserve on your homeowners insurance? If your home was built before March 2002, and you have replaced your roof, you may not be getting the maximum wind mitigation credits you qualify for. I’ve saved clients from $200 to $600+ by recommending they obtain a certified wind mitigation inspection. READ MORE >>
Friday, October 11, 2019 Once upon a time, Harold had purchased his homeowners insurance online because it seemed inexpensive. This past hurricane season, a tree branch fell on Harold’s house. It damaged the shingles and punched a hole in his roof. Harold called the 1.800 number, filed a claim and was promised a visit from an adjuster right away. READ MORE >>
Friday, October 4, 2019 It’s National Fire Prevention Week, so I just want to remind you about documenting damage as a best practice if you have a claim. Sometimes homeowners call after damage to their home has already been fixed, and then they want to file a claim. It might not be covered unless you have pictures. READ MORE >>
Monday, September 9, 2019That’s right, the $500 hurricane deductible exists. Instead of 5% of the dwelling value, which on a $300,000 house will run you $15,000, you can now buy a flat $500 hurricane deductible. If $500 hurricane deductible is not going to be available to everyone, but it will be available to most. READ MORE >>
Sunday, July 14, 2019 Car insurance is probably one of those expenses in your household budget that takes up a lot of dollars! We have written car insurance policies that cost more than the monthly payment of the car itself. How can you make sure you get the best deal on car insurance? Here are a few tips that might help: READ MORE >>
Thursday, February 21, 2019 If you own an RV (Recreational Vehicle) that is less than five years old, we can get you replacement cost coverage. Let’s say you paid $50,000 for your RV four years ago. Chances are, it isn’t worth $50,000 anymore. READ MORE >>
Monday, February 18, 2019 Do you ever see comments on Facebook that make you cringe but don’t actually specifically name the person that the comment is about? Jacqueline Hammond made such a post that cost her $500,000! READ MORE >>
Sunday, February 10, 2019 At Darr Schackow insurance, we keep getting more requests from small businesses for group health insurance quotes. Why? Most of the small businesses I work with say the finding and keeping good employees is the number one pain point. Having great benefits like group health insurance is one way to retain good employees. READ MORE >>
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