Focus Insurance

When it comes to insurance there is a lot to know. We are more than just an "agent" making a commission. We are professional insurance advisors and we want to maximize every dollar to get you the most coverage for the money. When or why should you have a $1,000 vs a $500 deductible. Why is having a $250 deductible a bad idea? Where are your areas of biggest risk and how should you protect yourself? If you don't feel like you are getting this type of service from your current insurance agent, please contact us. We would be happy to help!

Almost everyone knows someone that has lost a piece of jewelry at some point. There are many stories of items being lost down the drain, left on bathroom counters, stolen from hotel rooms or lost while on vacation. Jewelry can hold a lot of sentimental value as well as expensive to replace. While we can't replace sentimental value, we can make sure you are properly insured. If you own valuable jewelry or other items you should consider a personal article floater. A pers...onal article floater is stand-alone insurance coverage that is either a separate policy or an endorsement added to your homeowner’s insurance policy, depending on your carrier. It covers valuable personal property that often requires more coverage than what is provided by an insured’s homeowner policy. The cost is very reasonable. If you would like more information, please reach out and one of our agents will assist you. See more

Here is a money saving tip! Most insurance companies use an "insurance score" to help determine rates. Insurance scores are based off your credit score, and having a bad score can greatly affect premium. However, there is an opportunity to save money. As your credit improves, so does your insurance score. Many companies will allow us to check your score before renewal. If you score has improved, then we can ask the insurance company to use the new score and lower your rates!

We are all looking forward to spring time and warmer weather! However, with that weather comes hail storms. Every year thousands of claims are filed across the U.S. due to hail damage. We are here to help. If a storm comes and you think you have some damage, please reach out to us so we can discuss the matter before you file the claim. We want to make sure that we advise you of your coverages and guide you through the claims process.