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Actual Cash Value vs. Replacement Cost: What’s the Difference? When you’re insuring your home, building, or belongings, one of the most important choices you’ll make is how your property will be valued at the time of a loss. Insurance companies typically offer two main valuation methods: While they sound similar, they can make a big […]

How Preventative Maintenance Can Lower Personal Insurance Claims and Save You Money Most people think of insurance as something you only need when disaster strikes — a safety net for when things go wrong. But did you know that proactive maintenance around your home, car, or property can actually help lower your personal insurance costs? […]

Why Preventative Maintenance Matters for Business Insurance As an independent insurance agency, we often advise clients that one of the most effective ways to control insurance costs is through preventative maintenance. Taking a proactive approach to maintaining your property, vehicles, and equipment not only reduces the likelihood of unexpected breakdowns — it also helps lower […]