When is a Car Considered Totaled—And What Happens When It Is?

Posted: September 30, 2024

The first step in determining whether a car is totaled (or, in insurance terms, a total loss) is to calculate its actual cash value (ACV) at the time of the loss. The ACV is how much your vehicle is worth after factoring in depreciation. On average, vehicles depreciate more than 20 percent in the first year and approximately 10 percent each additional year for the...

What Happens If My Neighbor’s Tree Falls in My Yard?

Posted: September 27, 2024

For the most part, homeowners are responsible for what falls into their own yard. So, if a storm causes your neighbor’s tree to fall in your yard, your homeowners' insurance could help cover the cost of removing the tree and remedying the damage it caused on your property after your deductible. The same is true in reverse: If a tree on your property falls in...

How Named Storms Affect Your Insurance Coverage

Posted: September 23, 2024

When a hurricane is on the way, you have to act fast. While you’re making an evacuation plan or stocking up on bottled water, the last thing you want to be thinking is, “Will my insurance cover what happens after this?” Yes, hurricanes can be devastating – personally and financially. But anxiety can keep you from being present to what matters most. We want you...

Top 4 Fall Driving Hazards (And How to Handle Them)

Posted: September 20, 2024

The start of fall brings a lot of welcome things: a new school year, cooler temps and changing leaves. You may not notice it right away, but your daily commute is affected by the shorter days and changing weather, too. (For example: Did you know wet leaves can be as slippery as ice?) Stay alert this fall. Here are the top things to look out...

7 Simple Steps You Can Do to Protect Your Business Data

Posted: September 19, 2024

One of the most valuable assets for any business is its data. Like any business, small businesses are susceptible to cyberattacks. Safeguarding your company’s data is not just about avoiding financial loss—it’s about protecting customer and employee information, maintaining public trust, following government regulations, and keeping your business running with as little disruption as possible. But one data breach can lead to potentially catastrophic financial...