We have an annual award at our agency titled the “Refuse to be Average” award. This is given out annually to one team member of the Sky family. It is voted on individually by the team. It is for the person that has gone above and beyond throughout the year, and best exhibits the company culture of refusing to be average. This is not based on a goal, production, or even anything trackable—the intangibles, the effort, and most importantly, their impact on their teammates. It is a special award and the most prestigious award within our agency.
Understanding the four essential protections provided by your homeowner’s policy
Homeowners coverage provides financial protection against loss due to disasters, theft, and accidents. Most standard policies include four essential types of coverage: Coverage for the structure of your home; Coverage for your personal belongings; Liability protection; Coverage for Additional Living Expenses
One morning this week while drinking coffee, I was scanning Facebook to see what the world was up to, while the rest of us were sleeping. As I was scrolling through today’s post, I noticed a post that said my niece’s house burnt down, and that they lost everything, including their cars. As I read the story of what happened, my heart became sad for their loss. For those of us that have not experienced a loss like this, it’s hard to imagine what that would be like, losing everything. When you suffer a loss like this, it’s overwhelming, and hard to know where or how even to begin putting your life back together.
Entering the season of giving.
As I sit drinking my coffee this morning, I heard the geese flying overhead, I love that sound. It brings back memories of when I was young, and summer would be coming to an end, we would see the geese fly over, and my mother would say, “fall is coming soon”. Fall has always been my favorite season. It brings changes to the trees, with the many fall colors, the crispness in the air, and the beginning of the holiday seasons.
Today while listening to the news, they were covering the story of the death of yet, another famous person, who died by suicide. This story saddened me, the pain his family will go through, not just the loss of their father, but a husband and a son, but the pain of not able to help him through his own pain. This story, made me think of the many suicides that we have experience in our own community over the past year.
Reflecting on Life Insurance
This morning while having my coffee, I was thinking of my kids and my grandkids. We just spent Easter together; having my kids and my grandkids around are pure joy. Then my mind started to wander, wondering what would happen if I lost one of them, or if I died, how would it change our lives, their lives. As a Law Enforcement Chaplain, I have seen the devastation of death and what it does to families, we never know what life has in store for us.
Early on in my career as a Law Enforcement Chaplain, I was on a call with a family where a man had died unexpectedly; he was young maybe in his early forties. He had a wife and 3 children. The wife was a stay at home mom for the past 17 years, they had suffered the effects of the 2008 recession, they had no more savings, and there was no life insurance. As I sat there with the grieving wife and the children, it hit me; this woman and her children not only lost their husband and father, but they lost their financial security. They had nothing to fall back on financially.
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 can be a major pain, and end up costing you a ton of money!
I certainly don’t mean to be a “Debbie Downer”, and I know that if it’s done right it can be lucrative, but from an insurance agent’s perspective, I don’t see a lot of people doing it right.
I was recently asked this question by one of our Sky Insurance Brokers 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 them being credit. I’ve heard a lot of complaints from people who don’t like the fact that insurance companies use credit in their underwriting.
Why do my auto insurance rates keep going up even though my car is getting older? At Sky Insurance Brokers, many of our clients ask this question so I would like to address it from a couple of angles.
First things first, even though it’s called car/auto insurance, it covers more than just your car. It should technically be called “auto-owners” insurance, similarly to how home insurance is actually called “homeowners insurance”.
The season of giving
What a wonderful time of year the holidays bring. Time spent with friends and families, busy schedules with parties and gatherings to attend. It’s a time filled with thanks and hope. The end of the year brings a time to reflect on the blessings in our lives and excitement for the coming new year.