Is my rental car covered?

With spring break and the Easter holiday coming up, many people may be traveling. Some of you travelers might be wondering, “When I rent a car do I need to add insurance offered by the rental car company?” There are a few things you should know that will make traveling less stressful. If you have a personal auto policy that includes physical damage coverage, this will extend to the rental car. However, if the damage causes the car to be out of service while it is being repaired, the rental ...

Does my college student need a renter’s insurance policy?

For many young adults, college is a fun, but stressful, part of their development. It is a time filled with new experiences, friends, living spaces, and of course- knowledge! For many parents, or primary caregivers, the question of, “What can I do to help my child during this life phase?” exists. As an insurance agency, we often are asked, “Does my college student need renter’s insurance?” If you don’t want to read past this sentence, the short answer is: Yes. There are three basic types of...

Do I need Identity Theft Protection?

Man holding head in hands overwhelmed by computer data
Think you’re more likely to have your identity stolen via your computer? Think you can’t do anything about identity theft? Then think again! More and more these days, consumers are being warned about identity theft. Newspaper and magazine articles, television reports, flyers in your monthly bills, even on-hold messages give the warning signs of identity theft. A Federal Trade Commission report cites 160,000 identity theft cases reported in the United States in 2002. In less than two year...