Insurance

Insurance For My Investment Property

With an investment property, it is easy to consider the insurance as merely a cost more than a part of the overall investment. This viewpoint can influence an investor to settle for weak insurance because it improves the cash-flow calculations. While the cheap premiums feel great, what happens when the need for insurance arises? Is…

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I’m Shopping our Insurance

Why the effort to create competition creates less competition. Cash flow is the lifeblood of every business. While insurance is not something to skimp on, it is also something that needs to be cost-effective. Put another way, business owners and executives want to know their costs are competitive within the industry. So, what is the…

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Life Insurance

I Don’t Have Life Insurance This is a statement that a significant portion of Americans can truthfully say. But can they also say, “No one depends on my income now or will depend on my income in the future”? Can they also say, “I will have no outstanding debts”? There are many factors that play…

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Investment Property

As we first mentioned in our post, “We Do It”, property can be an incredible investment tool. Just like any other investment, property needs to be protected. There are two cornerstone coverages needed: physical property and liability. The investment is in the structure; if a storm comes through, we want to rest easy knowing that…

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Young, Hungry, and Never Complacent

The average age of an insurance agent is 60. Sixty! Full disclosure – I’m 23, and the oldest member of our agency is 34. I’m roughly 40% the age of the average agent, just a couple of years removed from my time at the University of Georgia. It still costs me seven gold doubloons to…

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When Should I Review My Personal Insurance?

Let’s be frank – insurance isn’t something you typically wake up thinking about. I suspect you’re more worried about getting the kids off to school, about traffic, or thinking about what tasks you need to complete at work that day. And while insurance doesn’t need to be on the top of your mind (that’s why…

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Are You Overpaying to be Underinsured?

Technically, I’m a millennial, though I loathe the designation. I was born in 1983, so I barely made the cut for some demographers’ broad, sweeping designation of my generation. Yet, despite my “youth,” I can barely check my email account, and my use of emojis is not “lit,” as the kids say. Seriously. Until about…

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Special Weather Statement

Action Recommended: Avoid the subject event as per the instructions Issued by: Knoxville/Tri-Cities – TN, US, National Weather Service …SEVERE THUNDERSTORMS EXPECTED LATE THIS AFTERNOON AND EVENING ACROSS THE PLATEAU, PARTS OF THE CENTRAL AND SOUTHERN TENNESSEE VALLEY, AND SOUTHWEST NORTH CAROLINA… …RAIN CHANGING TO SNOW SHOWERS ACROSS THE HIGHER ELEVATIONS TUESDAY NIGHT THROUGH WEDNESDAY NIGHT… A STRONG STORM SYSTEM WILL…

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I Don’t Want To Be Your Insurance Agent

Remember the old curmudgeon coach from Vince Vaughn’s cult classic, Dodgeball? Ah, yes; Patches O’Houlihan. As he inspired his underdog team, he constantly reminded them of the five “D’s” of dodgeball — dodge, duck, dip, dive, and dodge.” It seems that old adage crosses industry lines.  “Hi, I’m an insurance agent.” Immediately, they dodge,…

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Chattanooga on Lonely Planet’s “Best In The U.S.”

 We placed #3 on Lonely Planet’s “Best in The U.S.” 3. Chattanooga, Tennessee Once little more than a pit stop between Atlanta and Nashville, the nature-centric ‘Noog has transformed itself into a bastion of elevated Southern living. Outdoor enthusiasts flock to Chattanooga for some of the best rock climbing in the country, myriad hiking and mountain…

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