Steenland Kacos Insurance Blog
What can I do to lower my rates?
"What can I do to lower my rates?" As insurance agents, this is a question we get asked often in todays world. This article gives some of the most effective ways to lower your premiums. ...more
Personal Lines Insurance
October 21, 2024•3 min read
What to do when you hit a deer
Deer claim season is in full swing with the colder temperatures, hunting season, and farmers taking down their fields. You hit a deer, now what? ...more
Personal Lines Insurance
October 18, 2024•2 min read
Basic, Broad, and Special Form
These are terms that do not come up very often when talking about insurance, but they are important to know. What does basic, broad, and special form mean? ...more
Personal Lines Insurance
October 17, 2024•3 min read
What is renters insurance?
Many people have never heard of renters insurance unless and agent or parent told them to buy one. In this article we cover the question "What is renters insurance?" ...more
Personal Lines Insurance
October 16, 2024•3 min read
Flooding vs. Water Damage
Understating the difference of why some water damage is covered, but flooding is excluded on a home policy. ...more
Personal Lines Insurance
October 14, 2024•1 min read
FAQS
How does auto insurance work?
Auto insurance protects you financially by covering the costs of damage or injuries from a vehicle accident or theft. It is a contract between you and the insurance company, where you agree to pay the premium, and the insurance company agrees to pay your losses as defined in your policy.
What is umbrella insurance?
Umbrella insurance provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies. It kicks in when the liability on these other policies has been exhausted, offering an extra safety net of protection.
Why do I need liability insurance on my policy?
Liability insurance is critical because it covers legal costs and payouts for which you are found legally responsible. Without it, you could be faced with paying out of pocket for costly damages or medical bills.
How can I save on home insurance?
Maximizing savings on home insurance can be achieved by comparing policies, increasing deductibles, and ensuring your home has up-to-date safety features. Regular reviews of your policy can also uncover other potential savings.
What factors affect my auto insurance rates?
Several factors can affect your rates, including your age, driving history, and the type of vehicle you drive. Rates are also impacted by where you live, as different areas have varying risks of theft and accidents.
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