Millions of Americans have been impacted by Coronavirus. Most insurance companies have relief plans, and some are even giving back! Insurance profits are slim. Very slim. So much that they are controlled by your department of insurance, so when your…
Evil insurance companies Insurance companies get a terrible reputation for denying claims, and for a good reason. Not everything can be covered, and when an insured receives a denial letter, is it likely for an expense that could have a…
Will my commercial policy cover a loss due to COVID-19? The short answer is that you should ALWAYS call your agent to discuss a potential claim. Just like your CPA, or banker, your insurance agent should be available to discuss…
Top 5 Reasons to Get Renter’s Insurance If you are renting a home, you need to take an insurance policy that protects your belongings against certain risks. A renter’s insurance can help cover you against perils such as natural disasters,…
Yes and No! I have said it once, and I’ll have to say it again, but every insurance company is different. Not only will the requirements vary, but the discount will vary as well. The best advice I can give…
YES! Most of the time… Will my insurance rates go up if I make a claim? YES! This is probably one of the most common questions we get at TWG! I get it though, Insurance companies aren’t known for publishing…
Every insurance company determines rates differently Insurance companies have a tremendous amount of data and predictive modeling to help determine the correct premium for the right risk. Some may not rate for not at fault, where others may not accept…
Umbrella An umbrella policy is the most cost-effective policy a person could buy. Most people have never even heard of an umbrella, and even less know what they do. In short: 1,000,000 dollar’s in coverage for $150 dollars a year. …
GAP COVERAGE What is Gap Coverage? When discussing buying a new vehicle, people often jest with jokes such as, “Once you drive off the lot, the vehicle is worth 1/2 of what you paid!” That kernel of wisdom, while funny,…
Defining “Agency” I think the term Agent has lost some of its importance over the years. Since some insurance companies have massive advertising budgets, then use the term Agency for their sales team. It is no surprise that the average…
