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One thing that I hear constantly from potential clients or even existing clients is that there are no funds to help cover the costs associated with necessary insurance coverage. Whether it is car, home, life, business or other such a policy these individuals are making the decision to skimp on coverage. The trouble comes in however when something happens. Whether their house or auto suffers uncovered damage or they face a health scare that may not be covered, it will quickly become apparent that a quality insurance policy is well worth the costs associated with it.

It might not surprise you to know that water damage is just about the most common reason that policyholders submit claims on their homeowner’s policy. Whether it is a flooded basement, cracked pipes, or leaking appliances many people never look deep enough into their home insurance policy until an accident occurs. Sure, many companies will typically replace your flooring if it is damaged by a leaking hot water heater but it may not replace

When you speak with an insurance agent how do you want to feel? Some people report feeling like they are nothing more than a number on a page. This is extremely unfortunate in that you are so much more than that. You are a person, a client, and even more. Here at The Hoffman Agency we strive to treat everyone like family. We want you to feel comfortable in your decisions. As such the best way to do so is to welcome you in with open arms.

It is the time of year again when we get stars in our eyes because we know it is our chance to set off fireworks. Firework safety is never more important than this time of the year when untold numbers of these beauties are ignited to dazzle us. US Consumer Product Safety Commission reports 200 injuries a day surrounding the month of July alone. Not only do injuries occur but deaths have resulted as well from improper use of fireworks. Hands and eyes appear to be the greatest reported injuries. There are some important steps that you can take to protect yourself and others around you when setting off fireworks.

It is interesting to note that when looking for auto insurance you will find many providers who will automatically assume that you understand the language that they use when discussing policies. The truth is however that many first time insurance purchasers may not know what is being pushed their way. One of the most common terms is the Premium. Providers may mention a plan’s premium but never let you know just what they are talking about.

Staying safe while you are riding a bicycle is important. This is especially true as the number of people riding increases. The number of bicyclist is increasing for various reasons such as improving health. One of the other reasons for the increase in bicycle riders is to cut spending for gas on short trips. The cost for health care due to accidents that occur with bicyclist can be extreme. Health, auto and home or renters insurances may pick up most of the cost but not all.