Is your home policy an HO3 or HO5? Many people do not realize that there are two types of home owner’s policies. An HO3 policy and an HO5 policy. When comparing rates, it is important to know the difference between the two to ensure you are comparing apples-to-apples. Sometimes, what looks like a financial savings, […]
Read MoreInsuring your Unique Vehicle
Vehicles can be an UNIQUE as their owners! Vehicles can be as unique as their owners. Some are lifted, some are lowered. They are red, green, blue, or purple. Some have been modified for work to carry tools and materials, some have been modified to trudge through the mud and climb rocks, and others have been […]
Read MorePersonal Umbrella Liability
Is Umbrella coverage for you? What is an umbrella policy? Umbrella policies extend liability above and beyond your home, auto, and other policies; they are the smartest, most cost effective way to ensure coverage for all of your assets and future earnings. What does an umbrella policy cost? For most people, umbrella coverage can be […]
Read MoreYour In Home Small Business
In Home Small Business Adventure You’ve dreamed big and made the leap. You are your own boss, an in home small business owner! You made sacrifices and spent sleepless nights putting together your business plan. You’ve started small, working from home, being responsible but, have you met with your insurance agent? If not, you could […]
Read MoreDetermining Home Insurance Limits of Coverage
How much coverage do I need on my home? As a homeowner you are well aware of the value placed on your home by the County Assessor and you may even keep track of what the current market value of your home is, but do you know what it would cost to REBUILD your home? […]
Read MoreBusiness Auto Insurance
Business Auto Insurance Your business HAS an auto liability exposure Even if your business doesn’t own a vehicle, you have an auto liability exposure. You have employees who drive to work Employees run an occasional errand for the business You run errands for your business Drive to meet with your clients Anytime someone is on […]
Read MoreHow is Guide Insurance Services different?
How is Guide Insurance Services different? When my Dad and I talk about what we want Guide Insurance Services to look like, we always come back to how do we become better and how do we take better care of our customers? Employee Pay One of the best ways we can do this is how we […]
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