Posts by clynch

Why Insurance Market Value is less than Replacement Cost of Home

Posted by on May 20, 2016 in Education, Home, Insurance | Comments Off on Why Insurance Market Value is less than Replacement Cost of Home

One of the most common questions our office receives is:  “Why does the insurance company say the market value of my home is much higher than it is actually worth?”    First, the questions is worded improperly.  Not intentionally, but the problem is that the “market value” of your home has zero to do with the “Dwelling A” (or reconstruction cost) coverage listed on your declaration page.  Or what most of us believe to be the “value” of our home. So then how does it really work?   My home is valued at $75,000, I owe $80,000 and the insurance...

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When Can I Remove my Teen from my Auto Insurance Policy?

Posted by on Apr 11, 2016 in Auto, Education | Comments Off on When Can I Remove my Teen from my Auto Insurance Policy?

One of the most frequent questions we receive at the agency is about teen drivers. Youthful drivers (or teen drivers more commonly known) are drivers that are between the ages of 16-25.  This risk pool of drivers is one of the highest risk factors for insurance carriers. And quite frankly, a stressful financial impact to most families.   Many times when a family looks to add a teen driver to the policy it more than doubles the cost of the policy.  With that, many parents want to immediately look to having the child obtain their own policy.  Let’s take a look at why most of the time,...

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6 Practical Tips to Celebrate National Craft Month

Posted by on Mar 2, 2016 in Simple Choice Agency, Uncategorized | Comments Off on 6 Practical Tips to Celebrate National Craft Month

March is National Craft Month and was created by the Craft and Hobby Association in 1994.  The purpose is to help people learn about crafting and finding inspiration. (And it gives suppliers a reason to run special deals and conventions). With the introduction of the Internet, Pinterest, Tumbler, Digital Photography, YouTube and many other media outlets the possibilities for learning about crafting projects is endless.  Because of the endless opportunity, the process for many can be quite overwhelming.  I don’t know about you but Pinterest can completely consume my entire day if I am...

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9 ways to use February 29th to “Leap” into Changing your Life

Posted by on Feb 23, 2016 in Simple Choice Agency, Uncategorized | Comments Off on 9 ways to use February 29th to “Leap” into Changing your Life

You learned it in school, but most of us forget why we have a leap year, and why it is significant. The Gregorian calendar, which now serves as the standard calendar for civil use throughout the world, has both common years and leap years.  This calendar closely follows the Julian calendar, which was introduced by Julius Caesar in 45 B.C. This calendar has common year which has 365 days and a leap year 366 days, with the extra day designated as February 29. A leap year occurs every four years to help synchronize the calendar year with the solar year, or the length of time it takes the earth...

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5 Unexpected Ways To Have an Awesome Summer

Posted by on Jun 24, 2015 in Life, Our Blog, Simple Choice Agency | Comments Off on 5 Unexpected Ways To Have an Awesome Summer

 Here we finally are again.  SUMMER!!  For youths, and teens:  Endless days of boredom that you spent all the months of the year looking forward to.  For parents:  A much needed break from homework, strict bedtimes, after school activities and the constant juggling of it all. So how do you make this summer different?   In today’s world with the assistance of our technology you can literally spend your entire summer planning your summer.  There are countless apps, websites, blog pages, pinterest ideas, etc. to “assist” us in being great parents and to provide our kids with a...

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