Simply Explaining Insurance

It’s a homeowners biggest nightmare.  Picture yourself coming home from a long day of work to an empty house.  Maybe you’ve been looking forward to sitting down with a glass of wine or an iced tea and a little time to decompress.  You pull up and your driveway is wet.  You open the garage and […] The post What to do when your home is full of water. appeared first on Dietz Agency.

Your home is most likely only your biggest asset and it is crucial that you insure it properly. Odds are you have no idea what your home is insured for.  Maybe your mortgage broker put it all together for you with an insurance agent.  It’s time to dust off that policy and take a look […] The post Learn how to choose the right amount insurance for your house in 5 minutes. appeared first on Dietz Agency.

Did you know that you can extend your liability from your homeowners policy to a plot of land?  You can also extend it to watercraft like jetskis or boats.  It is VERY inexpensive way to make sure you are adding that protection to things that need it.  Take a few minutes and listen to this 4 […] The post Extend your homeowners liability! appeared first on Dietz Agency.

There are two coverages that should be built into your auto policy.  They are called Uninsured motorists and underinsured motorists.  They protect you and anyone in your car if you are hit by someone who doesn’t have ANY insurance or if they don’t have enough insurance.  These are an important defense to making sure you […] The post What if you are hit by an uninsured driver? appeared first on Dietz Agency.

This is a question I get once in awhile. “Why did my insurance go up, I have never even filed a claim?!”.  When you have a true understanding on the mechanics behind how insurance works, I think you will see why rate increases occur. When insurance is needed, it is used to pay for dozens […] The post “Why does my insurance go up?” appeared first on Dietz Agency.

I think it is amazing when a company offers group life insurance as part of their benefit package and if your company offers it, get as much as you can.  There can be some shortcomings though if this is the only policy you have to protect your family. For starters, most people have no idea how […] The post Your group life insurance plan, should be secondary to your own plan. appeared first on Dietz Agency.

To steal a line from my childhood hero Ferris Bueller, “Things move pretty fast these days.”  You can now order a cab from your phone using a rideshare service.  I used Uber for the first time recently and was amazed at the entire process.  The simplicy, the elegance of the app and the fact that […] The post 90% of rideshare drivers have a gap in their auto insurance appeared first on Dietz Agency.

Short little tip here.  If you have a car that you use seasonally and have it stored for months at a time, make sure you let your insurance agent know.  They will strip all of the coverage off of it except for the coverage called “comprehensive”.  This covers it if it is damaged while in […] The post When you store your car, store your insurance too appeared first on Dietz Agency.

Your house is one of the biggest investments you will ever make.  I sat down with Brandon Wright who is the owner of Ultra Clean.  He unloads, a ton of useful information to help us understand what to look for and how to prevent damage to our home. Homes do not come with a user […] The post A user manual for homeowners. appeared first on Dietz Agency.

This is a short and sweet podcast that explains some of the details on insurance billing.  It isn’t the sexiest of topics, but I will teach you how to get the most out of your insurance dollar.  Since you will be paying for insurance for the majority of your life, knowing this can save you […] The post How you pay, determines how MUCH you pay. appeared first on Dietz Agency.

There are plenty of benefits for a renter to carry renters insurance, but did you know how it can protect you as the landlord? The most important part of this policy for you the landlord, is the line of liability that is included.  Most renters policies include liability that protects you against fire, smoke and […] The post How good landlords use renters insurance to protect their investment. appeared first on Dietz Agency.

The deductible you choose for your insurance, directly affects what you pay.  The higher your deductible, you lower your premium.  The question is, what is your cost threshold?  How much are you willing to “self-insure” for?  I have clients who are paying too much for their insurance because they have their’s set too low. In […] The post Are you carrying the proper deductible on your insurance? appeared first on Dietz Agency.

If you have an son or daughter that is about to get their drivers licence, it’s an important time in all of your lives.   I remember when I turned 16 and my father took me down to the DMV to get that little piece of plastic.  It was one of the first times I […] The post 5 pieces of advice for you and your youthful driver. appeared first on Dietz Agency.

Identity fraud will continue to be a growing concern for us.  There are ways to protect yourself out there and one of those ways can be through your insurance policy.  Some insurance companies, including the one I am with, offer a rider on their homeowners policy or renters policy that offers active credit monitoring.  Learn […] The post Protecting yourself against identity fraud appeared first on Dietz Agency.

Life insurance for kids sounds like a strange premise.  It can also be a polarizing subject.  I would only ask that you learn about the benefits of the product so that you can make an educated decision of if it is right for your family. Talk to a licensed insurance agent who offers the product […] The post Why my kids have life insurance (and maybe yours should too) appeared first on Dietz Agency.

Most life insurance is medically underwritten and if you aren’t in perfect health, you will pay more or you may be declined altogether.  There is another option for a very specific group of people who want life insurance but have been declined for health reasons. It is an instant issue policy where you have to […] The post You can still get life insurance if you have been declined. appeared first on Dietz Agency.

Commercial insurance is a vital part of protecting your business and it isn’t something you should go out and buy like auto insurance.  You really need to know how to protect your livelihood. There are MANY different types of insurance for businesses including, general liability, workers compensation, E&O, professional liability, malpractice, EPLI and more.  Each […] The post Vital information on general liability insurance appeared first on Dietz Agency.

Permanent life insurance can be a powerful tool if used and understood properly.  What people need to understand, is that the money in the cash account, can be “borrowed”.  Why is this important?  Why not just cash out the money instead of take a loan?  One simple, mind blowing answer.  You can’t tax a loan. […] The post Using permanent life insurance to save on taxes appeared first on Dietz Agency.

Today’s podcast in on Workers Compensation.  This is a vital part of your commercial line protection plan.  The moment you hire a W2 employee you have to put this policy in force and it will pay for their medical expenses if they are hurt on the job. This podcast covers:  What the policy covers, how […] The post How a workers compensation policy works. appeared first on Dietz Agency.

  While Obama made healthcare available for everyone, he didn’t to the same for our pets.  Don’t despair. You can get health insurance for your dog or cat.  We have partnered up with a company called Pets Best to offer their insurance through my agency. It is very affordable, and comes in three different levels. […] The post Why yes, you can insure your pet! appeared first on Dietz Agency.