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Do you have homeowners, condo owners or renters insurance? If you do, you also have personal property coverage. That is the “stuff” you own from furniture & clothing to TV’s and electronic equipment. If you look on your declarations page it is labeled Coverage C. This is probably not a surprise to you, BUT did you know…   ...

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Many people use on-line banking to pay bills these days. A good thing? Often yes, sometimes no. There could be a problem if you use your on-line baking service to pay your auto insurance premium. In general banking services will pay your bills when you tell them to, or you may have a repeating order to pay a bill on the due dat...

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We've discussed this before and we will, undoubtedly, discuss it again because it is of major concern to our clients. Generally, we often don't understand why our rates go up (1) just because I moved, or (2) just because I got older, or (3) because I got a job further from my home, etc., etc., etc.  It can be frustrating for you and for us bec...

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We've discussed this before.  In August 2010 Linda posted a blog here that addressed this very topic. However, we still get the question on a regular basis. "Why does my home have to be insured for more than it's worth?" Or something along those lines.  The answer lies in the costs involved to build a "new" home versus the costs to re...

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Interesting question, usually posed by someone who just suffered a loss and then discovered that their insurance policy does not cover that particular loss. It is one of the two most frustrating questions we have to answer because we often sympathize with clients even though there is little we can do to help. The other question is, “Why d...

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 Some of you may have heard the words “attractive nuisance” and some of you may not. It’s a legal doctrine that means that the landowner (homeowner) may be held liable for injuries to children trespassing on their land if the injury is caused by a hazardous object or condition on the property that is likely to attract children who are una...

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Every September, the non-profit LIFE Foundation is joined by over 100 of the nation's leading insurance companies to promote greater understanding of the important role life insurance plays in peoples' lives. About Life Insurance Awareness Month (LIAM) Life Insurance Awareness Month was created by the LIFE Foundation in 2004 in response to growin...

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The following is essentially borrowed from money.msn.com . I shortened it a bit to fit a blog, but if it interests you, I strongly encourage you to visit the original at this site by clicking here:  Original Article on MSN We, at Sage Insurance, believe that knowledge is the most valuable asset you can have. Just knowing what can go wrong wil...

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In light of Hurricane Irene I am revisiting this topic (first posted here in 2009). It’s important to point out  that 4 out of 5 natural disasters involve flooding and unfortunately flooding is a natural disaster that is not covered in a typical homeowner’s insurance policy. Yes, we have floods here in the desert Southwest. Because the desert...

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