Personal Insurance

Real Life: Why Shouldn’t I Just Buy My Insurance Online?

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October 16th, 2012

With so many “name your own price” online insurance companies these days, we are often asked “why should I work with R&R Insurance when I can just buy my insurance online?” We had a gentleman approach one of our agents asking to review his current homeowners policy.  He believed he was paying too much with his» Read Full Article

College Students Need Insurance Too!

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September 19th, 2012

Insurance needs are often overlooked for college kids in the hustle and bustle of preparing for college. It’s not uncommon for college kids to have thousands of dollars of electronic equipment and a closet bursting with clothes in the dorm rooms, as well as bicycles and instruments.   Students living on-campus: Generally, this coverage is part of the» Read Full Article

When A Child Moves Out – What’s Covered and Not Covered On An Auto Policy?

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September 18th, 2012

The Insurance & Risk Management Knowledge Alliance has published a great article about children who no longer reside with their parents but still remain on their insurance policy. People wrongly assume they have coverage for their child who has moved out on their own while the parents hold the title and the child is listed on the» Read Full Article

Should You Ever Drop Comp & Collision Coverage From Your Auto Policy?

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September 18th, 2012

If you are driving a car that is no longer worth a lot of money, having collision and comprehensive coverage may not be right for you. The cost of collision and comprehensive coverages, which repair or replace your car if you are at fault in an accident or if your car is stolen or vandalized (along with» Read Full Article

Neil Armstrong’s Life Insurance Paid for by Creativity

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September 17th, 2012

Most of us would think that a NASA Astronaut would make enough earnings to buy most anything they would want.  Not the case for Neil Armstrong.  Prior to the departure of Apollo 11, Armstrong wanted to purchase Life Insurance to have his family financially protected should something go wrong with the mission.  In 1969 an» Read Full Article

Can You Locate the Main Water Value in Your Home??

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August 23rd, 2012

One of the messiest (and most expensive) home claims we see is water damage.  Water damage is often caused by flooding and could be results of: A pipe bursting A wash machine, water heater, toilet, water softener, the icemaker in your freezer malfunctioning Valve on a faucet breaking Vandals (remember the movie Home Alone?) Most plumbers say» Read Full Article

Dryers Start 15,000 Home Fires Annually… How’s Your Lint Trap?

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August 21st, 2012

More than 15,000 home fires are started by dryer fires every year, usually from lint build-up, but few people are aware of this danger in their home. What causes the fires? The most common cause of dryer fires is lack of lint removal and maintenance. Watch a true life dryer fire story…  Here are 8 ways» Read Full Article

Life Insurance for Children – Ensure Their Insurability

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July 31st, 2012

Are you protecting the life insurance needs of your children? Sometimes people overlook the need for life insurance for children or grandchildren. This is not to be thought of as morbid, rather we are thinking about future insurability. What about later in life - what if your child were to have a health condition? Buying life insurance could protect their» Read Full Article

Does Your Auto Make the Top 10 Most Stolen Vehicle list?

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July 25th, 2012

The Highway Loss Data Institute put together a list of stolen vehicles based on insurance claims for model years between 2008 and 2010. You may be shocked to find that eight of the most stolen vehicles were SUVs or trucks (which also are the most dangerous vehicle for teen drivers)! Watch a demonstration of how easily» Read Full Article

Everything can change in the blink of an eye: The importance of umbrella policies

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July 16th, 2012

In the blink of an eye your life can be turned upside down by unforeseen events and things can change your life forever.  Today, more than ever, umbrella policies are a way to further protect yourself from those unforeseen circumstances.  Umbrella policies provide a minimum $1 million in additional liability coverage and can also provide» Read Full Article