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How Inflation Affects Your Home and Auto Insurance Premiums
Inflation is a term we hear a lot, especially when prices for everyday items go up. But have you ever wondered how inflation can impact your home and auto insurance premiums? Let’s break it down in simple terms! What is Inflation? Inflation happens when the prices of goods and services increase over time. This…
Read MoreChanges in Rental Reimbursement Needs
When your car is in the shop for repairs after an accident or another covered event, you still need a way to get around. Rental reimbursement coverage is designed to help cover the cost of renting a vehicle while your car is being fixed. With the recent challenges in the auto repair industry, drivers filing…
Read MoreUnderstanding the Changing Landscape of Home Insurance
Hey there, homeowners! If you’ve noticed a shift in the way insurance providers are handling your policies lately, you’re not alone. The insurance market is evolving, and it’s essential to stay informed about these changes to protect your home and vehicles effectively. At Algate Advisors, we’re dedicated to keeping our clients in the loop about…
Read MoreFinal Expense Insurance
From Hamilton Owen, Funeral Director As a funeral director with over 25 years experience, I’ve witnessed firsthand the stress and heartache families experience when a loved one passes away unexpectedly. It’s a time filled with overwhelming emotions, difficult decisions, and unexpected expenses. Many families are caught off guard by the financial burden of arranging a…
Read MoreEncompass Insurance Closes Shop in Indiana
Change is a constant in life, and the insurance landscape in Indiana is experiencing a significant shift as Encompass Insurance announces the closure of its operations in the state. If you’re an Encompass policyholder in Indiana, it’s essential to understand the reasons behind this decision and how it might impact you. Let’s take a closer…
Read MoreInsuring your home at Full Replacement Cost Value
Homeowners insurance is an essential investment to protect your home and everything inside it. However, many homeowners make the mistake of insuring their homes at the purchase price rather than the full replacement value. This mistake can prove to be costly if a disaster strikes, such as a fire, flood, or severe storm. The full…
Read MoreWinter Prep Tips
Winter is almost here, which means harsher than normal weather and cooling temperatures that may threaten to damage your home and drive up out-of-pocket expenses. To prevent that from happening, here are a few winter prep tips to winterize your home. 1. Disconnect any garden hoses. According to the Family Handyman, water trapped inside…
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