One of the most important things to consider when considering your personal or business insurance is, “What is the purpose, or goal, of having insurance in the first place?” If you want insurance to cover every broken window, theft of a lawn mower, or $500 medical bill, then you will pay more for the coverage. But we believe that insurance is designed to protect your business, home and family from the catastrophic events like, fire, serious injury or loss of a vehicle. In other words, losses that will affect your long term–not ruin your day. Insurance Truth About Auto Deductibles If you own an older car, it is better for you to increase your deductibles and pocket the premium savings. Personal Umbrella Truth If you own your home, have a 401K, and are building financial resources for your future, a $250 investment in a personal umbrella will be one of the best investments you will make. Business Insurance Truth Your business is more likely to suffer a loss from being sued by an employee or having a cyber-breach than by a fire. Every business needs employment liability and cyber liability insurance. Insurance Truth Your personal and business insurance needs change over time. For example, you may have purchased your wife an expensive diamond ring, or your child headed off to college. Your business may have added new equipment or an additional location. All these actions can increase your risk and liability. That is why it is important to have a regular insurance review. Your insurance should change with your needs. Flood & Earthquake Insurance Truth Floods and Earthquakes are not covered or included in homeowners policies. You must buy separate coverage. At J.S. Edwards & Sherlock Insurance Agency, we are proud to help individuals and families get the coverage they need to have both financial security and peace of mind. To get start, give us a call at 409.832.7736 or fill out our contact form!