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The insurance marketplace is tightening up and it’s happening fast for home and auto insurance companies, regardless of where you live. California, Florida, Louisiana and Texas are being hit especially hard. Insurance carriers are limiting or not issuing any new policies across the country. Some carriers are actually just leaving the market or they are…

Do you have the correct coverage?Most homeowners and landlord insurance policies have exclusions when you introduce a commercial exposure like short-term rentals, which means claims can be denied. Regardless of what you hear, the reality is that homeowners insurance or even landlord insurance is not designed for short-term and vacation rental. Take a moment and…

We’ve all been hearing how the price of building has skyrocketed recently and you may think, I’m not going to build, so I don’t need to worry about it. But it definitely affects the amount of money it would take to rebuild if a fire or storm destroys your home. Industry experts believe as many…

What’s a Distraction? The National Highway Traffic Safety Administration uses the following definitions of things drivers are distracted by that contribute to motor vehicle crashes. • Other occupants • Moving objects in the vehicle, like pets or a dropped object• Talking on the cell phone. including “hands-free” or a Bluetooth-enabied phone • Dialing or text-messaging…

At some point, every driver in {city, state or region} has to deal with rainy weather. But, many don’t know what to do, so they just drive as they normally would. However, with slick roads, flooded streets and reduced visibility, that can be a recipe for disaster. So instead, follow these simple tips for safer…

As a busy homeowner, it is easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects should be in the “long-term maintenance” category. But putting them on hold for too long can…

We just want to let everyone know that we are so excited to have selected Love & Care Ministries for this quarter’s charity for our referral program! It works like this….. 1. Our referral program is open to everyone. 2. Our charity of choice will receive a $10 donation for every referral Carlin Insurance receives…