An endorsement, also known as a rider, is additional coverage you can get added to your homeowner insurance policy. But if you don't know, and your agent does not tell you, then you can be left uninsured. 
Insurance is forever changing. As well as, the options you can choose from.

The number 1 most filed claim is Wind & Hail, second is Water damage. Majority of our homeowner claims are due to water.

The two endorsements we feel no homeowner should go without is; Service line coverage and Sewer Water Back-up. They are frequently filed claims and can cost thousands in damage. 

Other endorsements may include:

• Identity Recovery Coverage
• Refrigerated Products
• Valuable Articles (Group or Itemized)
• Special computer coverage
• Earthquake
• Sinkhole collapse

And more!

As a licensed life insurance agent I greatly understand the need to be insured. As well as the importance of getting coverage early in life.
I originally got life insurance at the age of 24. And not knowing the true benefit of having at that age, I surrendered my policy to receive a payout. But I wish I did not, at that time most companies were offering 4% guaranteed interest. And I am not the one to use life insurance as an investment, but it is good to know if one falls on hard times they have a safety net that can possibly keep them afloat.

Landlords, as you continue to accrue property your exposure increases, which in turn increases the chances of you filing a claim.

You are investing in your future and last thing you need is a huge liability claim which can hurt your reputation, but also have a negative financial impact on you. Which can happen if you do not have the proper liability coverage. 

Hello All! 

We are back after taking a month off. One, because we have been working on our newsletter which comes out monthly since August, and two, we are now offering 2 new products that we are thrilled about, however, getting the word out there can take some time :)

With that being said. We have felt much sympathy for all of the devastation that's been taken place around the world. 

From floods, earthquakes, fires, mudslides; it has truly sadden us. However, it has brought our agency closer to our core value, our passion, of helping and servicing others. Also, educating people about different insurance products, and offering products that may not be sold at other agencies.

For us, to be in insurance sales is to make sure people have good coverage, and if they choose not to, at least we did our part which is educate them about it.

So now on our menu we offer Life, Home, Auto, Commercial, Pet, Firearm Liability & Flood Insurance.

Could you imagine a world without insurance? Who would we transfer the financial impact of a loss onto?

With proper coverage, we can rest assure.

But, what if we run out of coverage to transfer? Then who pays. YOU DO!!

That brings me to my topic of Umbrella Insurance. And the need to have coverage for when it rains, but also, having additional coverage for when it downpours!!

As an independent agent I pride myself on being able to shop around for the best options for my clients. As well as having years of experience.

I sometimes find myself focusing more attention on one product than others. Which sometimes has me reflect on why I became an agent, because I am passionate about serving people and educating.

​I was young when I got my first shot in the insurance industry, which was at the age of 22. Nonetheless, excited about new beginnings, and was looking forward to being paid well, because I knew it would be based on how hard I worked! (I love this Industry!!)
​
I was somewhat new to insurance, besides having auto insurance and working briefly for a prior insurance agent while in school. I was ready to delve into my career and learn all I could about the products I was licensed to sell. 

As the second Sunday of May nears, it’s time to think of ways to celebrate mothers - although, of course, that’s a worthy pursuit at any time of year!
 
We thought it would be fun to give you a little of the history behind Mother’s Day, as well as a few ideas to honor the special women in all our lives.
 
Ancient beginnings
According to MothersDayCentral.com, the ancient Egyptians held an annual festival to honor “the mother of the pharaohs” - the goddess Isis. This is one of the earliest historical records of a society celebrating a mother.

Are you ready? I mean, is your HOUSE ready??
 
Although everyone thinks of cleaning when it comes to spring, there are a number of things you should do to make sure your home is ready when the weather in Philadelphia changes. Below is a selection of maintenance tasks from the National Center for Healthy Housing (you can see the full list at http://portal.hud.gov/hudportal/documents/huddoc?id=DOC_12334.pdf).