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We’re really not combatants, nor are we really at odds with each other… uh! Maybe we are. Here’s a scenario for you to ponder. You buy a new car and the dealer puts a temporary 30-day sticker on it for you and tells you that you have 30 days to get to DMV and get the car registered. So, what do you do? Wait 29 days before you panic! Righ...

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  Replacement (Reconstruction) Cost vs. Market Value A question we often get asked is, “Why is the replacement/reconstruction cost of my home often higher than the market value or the price I paid for it?”. A concept that runs through the insurance industry (and many other industries for that matter) concerns the value of something. A...

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One of the coverage’s you can have on your auto insurance is Medical Payments coverage (MED PAY) and most people don't truly understand what this coverage means or can do for you.  It is literally a form of health insurance on your auto policy for auto "mishaps".  If you are in an accident and have MED PAY coverage on your policy, it pays...

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"Your home insurance is not the same as, nor is it provided by your mortgage company." I was cleaning out a file the other day and came across an article I wrote for a magazine years ago. Funny thing about insurance - the basic principles and concepts really don't change as time goes by, but the idea of who is helping you with your insurance needs...

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Can a Trust own a car?  Can a Trust insure a car?  Can a Trust register a car in Nevada? Can a Trust drive a car? These questions and more continue to cause problems in the insurance/DMV arena. If you are thinking of putting your vehicle in a family Trust, read this blog first and follow the guidelines we furnish here. There has been...

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Insuring condominiums or townhouses is sometimes complicated by the legal documents that set them up and the type of policies they buy for the complex as a whole. In order to get it right the condo owner has to do some research and read the CC&R's that come with condo ownership. The most complicated personal lines policy for us to insure is a ...

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Is there such a thing as "guaranteed" retirement income. If the market has taught us anything in the past few years, it has taught us that "guarantees" are difficult to come by. However, if you ask the right questions, pick the right company, and remain diligent in your efforts you can come as close as is humanly possible to assure yourself of a co...

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We continually get asked why the cost to rebuild a home is more than the current market value. [Value is in the eye of the beholder. OK, so I plagiarized a common aphorism, but the point is that the value of anything depends on many factors. The “insurance value” of your home is based on construction costs… that’s it… not how nice it is, or where ]...

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As of February 1, 2010 the rules have changed! Two primary changes are (1) You must present evidence of Nevada insurance to register a vehicle, and (2) The insurance lapse penalty no longer has a grace period! This is, finally, a good change. The primary reason the changes are taking place is to minimize the number of drivers on our roads that h...

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