Tom’s Tips—for understanding your insurance in everyday life.

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Do I need to insure my car for its market value or replacement value?

You don’t get to choose this option like you do on your home. The marketplace dictates your car’s value based…
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Q – How do I calculate business liability insurance needs?

Q - How do I calculate business liability insurance needs?   A- Depends on what business you are in! Liability…

Q – Can I be forced to sell my home in a judgement?

Yes and no. The no part - you cannot be forced to sell your home in a judgement. The yes…

Do insurance companies share information with other insurance companies on the claims that have been made?

It’s called a C.L.U.E. report, stands for Comprehensive Loss Underwriting Exchange and ALL insurance companies report to them. No longer…

Does the type of house affect the cost of homeowners insurance?

Yes. Year built, square footage, style of home (Colonial, Ranch, Contemporary, Architectural) and any upgrades done to the home will…

Older cars consider keeping comprehensive coverage!

The only reason to keep comprehemsive coverage on older cars is for the glass coverage. Comprehensive car insurance is for…

Landlord’s and Cyber Liability!

Landlords collect valuable information from tenants: social security numbers, address histories, account numbers, email addresses, phone numbers, birthdates, employment history,…

Tom’s Tuesday Tip (a day late)!

Incredible new radio ad by a long time attorney:"If you are being low balled on your insurance claim by your…


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