There are lots of ways to purchase an insurance policy these days, whether that's online, over the phone, or in person. Ultimately, you'll obtain insurance directly from an insurance company or through a licensed insurance agent.

If we take a step further, there are multiple types of insurance companies and insurance agents to choose from. This is where we're going to take a look at the benefits of using an independent agent vs a captive agent.

I've had quite a few clients ask me if they need rental car insurance when they are renting a car from a rental car company, so I wanted to touch on this.

​In a lot of cases if you already own a car, your personal car insurance policy can extend to rental cars. This means that you may be able to decline the expensive insurance they offer at the counter and save some money.

Insurance is an important part of being a homeowner. Not only does it protect you from damages caused by things like fire and vandalism, but it can also protect your personal property or additional structures like garages, and provide liability coverage.
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But when is it time to review your coverages? Should you evaluate your coverage monthly, yearly, or somewhere in between?