EHD News You Can Use

To learn more about how to protect your family's assets with customized personal insurance solutions, please contact Kristy L. Gergal.

Personal Insurance News

2 Essential Questions about Gap Insurance

Car owners often assume that if their car is totaled, it will be replaced at the amount they paid, or at least the amount they owe. However, that’s not always the case — learn why and what you can do to protect yourself. Is Gap Coverage Right for You? Guaranteed asset protection, or gap insurance …

2 Essential Questions about Gap Insurance Read More »

How to Insure a Second Home

If you’re investing in a second home, there are some insurance basics that will help you make the best buying decision when it comes to determining insurability and estimating your ongoing cost of ownership. It can cost more to insure a second home than to insure your primary residence. Premiums are based on a variety …

How to Insure a Second Home Read More »

7 Keys to Shopping for Auto Rates

Learning about how automobile insurance rates are determined will help you to navigate why rates vary and assist you with your auto buying decision. Factors that impact auto rates include the following: Age of Insured Driver(s) – Young drivers under the age of 25 are statistically up to four times more likely to be in …

7 Keys to Shopping for Auto Rates Read More »

The 5 Keys to Preparing for a Flood

Did you know: According to the Federal Emergency Management Agency (FEMA), floods are one of the most common disasters in the United States? Even small streams, gullies, creeks, culverts, dry streambeds or low-lying ground that appear harmless in dry weather can flood. Plus, it only takes an inch or two of water to cause major …

The 5 Keys to Preparing for a Flood Read More »

Flood Insurance for Home Owners: What Protection Does it Offer?

A standard homeowners policy does not cover damages from flooding. A separate flood policy is needed to cover losses to your property caused by flooding, which provides coverage for things such as: Structural damage Furnace, water heater and central air-conditioning Flood debris clean up Electrical and plumbing systems Cost of Coverage As a homeowner, you …

Flood Insurance for Home Owners: What Protection Does it Offer? Read More »

How to Spot a Previously Flooded Car

Did You Know? In the wake of major natural disasters like Hurricane Katrina and Superstorm Sandy, the used car market is often inundated with flood-damaged cars and trucks, many of which are cleaned and transported to other parts of the country to be sold to unsuspecting consumers. The vehicle may look like it is in …

How to Spot a Previously Flooded Car Read More »

The Basics of Insuring your Teen Driver

Insuring a new driver can be expensive. Learn what you can do to keep your premiums as low as possible and your teen accident-free. Tips to Keep Costs Down If you’re the parent of a teenager who is getting ready to climb behind the steering wheel, insuring your new driver can be an expensive endeavor. …

The Basics of Insuring your Teen Driver Read More »