When unexpected damage occurs to your home or vehicle, filing an insurance claim may seem like the obvious next step. However, deciding whether to file a claim isn’t always straightforward. It can have lasting effects on your insurance premiums and…
Handing over the car keys to your teenager is a proud moment, but it comes with a reality check: young drivers have the highest accident rates on the road, simply because they’re new to driving. For families, this can lead…
Did you know that the most important factor for homeowners insurance is your home’s roof? When it comes to homeowners insurance in Texas, no single factor has a bigger impact on your rates and coverage than the condition and age…
If you have a spouse, children, or other dependents who rely on your income to pay for things like a mortgage, car loans, or tuition, you need life insurance. And no, your free life insurance covered by your work is…
When it comes to purchasing insurance—whether it’s for your home, car, business, or even life—there’s a key decision to make about how you buy your policy. With several options available, understanding the differences between using an independent insurance agent, a…
Did you know that 99% of counties in the United States has experienced flooding since 1996, according to FEMA? The recent devastation caused by Hurricane Helene serves as a stark reminder of just how unpredictable and destructive nature can be.…
“I am so busy when my insurance policy renews! I’ll get to it next year.” “My rate went up a month ago! I just haven’t had time to look into it.” “It’s been over two years since I was last…
Your home is your most valuable asset and understanding its replacement in your area is crucial. While paying for insurance might feel like a hassle, claims happen every day—whether it’s a minor issue or a catastrophe that displaces your entire…
I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property…
I was recently asked this question by one of our Nightlight Insurance Agency clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of…