6 Tips to Getting the Right Home Insurance

If you have a mortgage, home insurance is most likely required by your lender. However, even if your home isn’t financed, purchasing an appropriate home insurance policy is still highly recommended. To find the perfect home insurance policy, consult the tips below.

1. Know what you need.

Before you can start shopping for home insurance, you need to know how much coverage you need. To calculate your coverage needs, you must know your home’s current market value, which is the amount of money a buyer would be willing to pay for the home. You must also know the home’s replacement cost, which is the amount of money you would need to replace the home if it was destroyed. (more…)

Filed under: Homeowners Insurance,Independent Insurance Agents — Dave Leahy @ 12:13 pm May 19, 2017


How to Reduce Your Business Insurance Costs

In many ways, business insurance is something of a “give and take” proposition. On the one hand, you absolutely need it to help make sure your organization is protected from all angles. On the other hand, you don’t want to maintain that protection at the expense of your bottom line. If you’re looking for ways to help reduce your insurance costs, there are a few key techniques you should consider.

Increase Your Deductible

Your insurance deductible is a bit of a balancing act, but if you can execute it successfully you’ll save a great deal of money. If you agree to the highest deductible you can comfortably afford, you can enjoy lower premiums as a result.  (more…)

Filed under: Business Insurance Agent,Commercial Insurance — Dave Leahy @ 3:01 pm April 29, 2017


What is an Umbrella Liability Insurance Policy?

umbrella insurance from Pacific Unified Insurance

Huge settlements are becoming more commonplace these days, even for accidents that happen in someone’s home or as a result of an auto accident. If you are held responsible for an injury or accident and your home or auto policy does not cover the amount awarded, you could be left owing thousands or even millions of dollars to the injured party. An umbrella policy is designed to offer protection above and beyond your existing policies and to protect you in this scenario.

What is an Umbrella Liability Insurance Policy?

Umbrella insurance is an extra policy designed to protect you if something goes wrong and you are held responsible for a large claim. It can help you protect your income and assets and give you peace of mind about your financial health and future. (more…)

Filed under: Homeowners Insurance — Dave Leahy @ 10:52 am April 19, 2017


What Does a Basic Auto Insurance Policy Cover?

One of the most important things to understand about auto insurance is that minimum coverage requirements will usually vary from state to state – meaning that a policy that is perfectly acceptable in Ohio might not provide you with what you need in California, and vice versa. Having said that, there are a few types of coverage offered through a basic auto insurance policy that you can use as a stable foundation when building out the policy you need to satisfy the requirements of your own personal situation.

Collision Protection

One of the most fundamental pillars of any basic auto insurance policy is collision insurance – meaning that you have protection in the event that you hit another vehicle, another vehicle hits you, you hit something on the road, etc. When shopping around for policies, remember that a higher deductible usually always translates to a lower premium – meaning that the less you pay for your policy per month, the more you’ll have to pay in the event of an accident before the insurance policy kicks in and takes care of the rest. (more…)

Filed under: Auto Insurance — Dave Leahy @ 4:53 pm March 29, 2017


Do Millennials Need Life Insurance?

when should millennials consider life insuranceThe house, the family and even the car loan can wait – it’s no secret that our generation has moved some milestones back in a big way. But what about life insurance? If you think that it is just for old people, think again. It may be terrifying to think about, but death is lurking for some of us, and insurance is not for you, it is for the people you care most about in the world. Here are three real world reasons you need life insurance if you are under 30: (more…)

Filed under: Independent Insurance Agents,Life Insurance — Dave Leahy @ 4:47 pm March 15, 2017


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