I spent the first several years of my insurance career working for a Direct Writer. In insurance language, this refers to an insurance carrier that sells their brand only (like State Farm, Allstate, Farmers, or Geico). Now that I am an independent agent, my clients often ask for an explanation of the difference, as it can sometimes be a confusing notion.

Here it is.

So you’re shopping for homeowners insurance; you found a great policy at a great price and your agent assures you that the policy is “all risk”. Nothing to worry about, right?

Not necessarily.

While most of us don’t spend our leisure time reading the 40-50 page policies that we receive in the mail from our insurance company, that is exactly what we should be doing!

If you just bought a car, a question you might be asking yourself is do I need GAP insurance? Eric Hurt defines GAP insurance, teaches you how to assess whether or not you need it, and guides you on what questions to ask and who to get it from if you do.

Buying a car is a major purchase, and buying insurance to protect your vehicle is the next logical step. Any standard auto policy would afford coverage for physical damage to your vehicle, called comprehensive & collision coverage. However, what about any customization to your vehicle? If you think that you are automatically covered here, then you may be unpleasantly suprised!

Should I purchase rental car coverage? It’s a question we get when we travel. Eric Hurt tells you what parts of your personal auto insurance policy to analyze to determine whether it would be prudent for you to have the extra coverage offered by rental car companies.

Affinity programs not only help retain and keep your current employees by providing them with useful benefits and savings, but can also help attract new employees to your business.

There are two types of insurance agents: independent and captive. In this post we will define each and describe the difference between the two and what it means for the consumer.

Eric Hurt of SIG Insurance Professionals provides 6 helpful tips people can follow when they are shopping for homeowners insurance that will help them get the best coverage and most value for their insurance dollar.

Water Damage coverage on Texas homeowners insurance often falls into 3 main categories:
Sudden & Accidental-loss sustained from a sudden and severe onslaught of water-ex: hot water heater breaks, or dishwasher overflows. The key word here is “sudden,” as in something that happened quickly and not over time. This coverage is included with most named peril [read more]

It is a common misconception that you should insure your home for what you paid for it, or what you could sell it for (commonly referred to as “market value”). Insurance companies often use a formula to determine the cost to rebuild your specific home should it be completely destroyed. Usually referred to as “replacement [read more]