Never Insure Your Home for Less than Its Replacement Cost!

If you’re reading this blog, I know you’re probably asking yourself why not? After all, the more coverage you have the higher the premium. Let’s also not overlook the fact that most losses on an insured home are partial any way. Why not just insure your home for the average loss amount for like kind loss exposure right? Well no, because when you insure your home for less than its replacement cost you open yourself up to two possible loss scenarios, ne... [ click to read more ]

What is Better, Term or Permanent Life Insurance?

The bottom line answer is, both. Seriously, it depends on your individual situation and that’s why we recommend that you consult a local licensed professional insurance agent to help you decide. Here are some questions to consider as you discuss your options with local agents:

1. How much do you need? Be sure to use a life insurance worksheet or calculator.
2. How old are the insured(s)?
3. Do the insured’s have any pre-existing medical conditi... [ click to read more ]

Welcome to the MyTownInsurance.com Blog

Over the months to come we will be sharing with you, the insurance consumer, helpful insights about all the different types of insurance. These blogs are intended to answer the most common questions about each major type of insurance. We will also provide some suggestions as what to consider as you review and make decisions about your own insurance portfolio of policies. Our blogs are intended to help you begin specific dialog with either your current insurance agent or any ... [ click to read more ]

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