Hello homeowners! Today at Looker Wolfe & Gephart Insurance, we’re addressing a common concern: why you need to insure your home for 100% of its replacement cost, even if you’re tempted to opt for less coverage to save on premiums.…
When protecting your family, home, car, or business, having the right insurance coverage is crucial. But with so many options, finding the perfect policy can feel overwhelming. That’s where an independent insurance agent comes in. What is an Independent Insurance…
As winter approaches, one of the most common home insurance claims we see involves damage from frozen pipes. At LWG Insurance, we understand the importance of preparedness and prevention. Here are some essential tips to help you safeguard your home…
When it comes to protecting your assets and financial future, your standard insurance policies may not always be enough. That’s where a Personal Umbrella Policy (PUP) comes in—a valuable tool to extend your liability coverage and safeguard against life’s unexpected…
Flooding is one of the most common and costly natural disasters, and standard homeowners insurance policies don’t cover flood damage. That’s where flood insurance comes in. Whether you live in a high-risk flood zone or a lower-risk area, having the…
Trampolines are a source of endless fun for kids and families, but they also come with significant risks. From the perspective of homeowners insurance, owning a trampoline can affect your liability coverage and your premiums. Understanding how insurers handle trampolines…
The Impact of Roof Age and Condition on Your Property Insurance When it comes to protecting your home, few elements are as critical as your roof. As the first line of defense against weather-related hazards, a roof’s age and condition…
Electric Bicycles, commonly referred to as “e-bikes”, are all the rage! According to recent reports, the sales of e-bikes are expected to surge over the next 3 years with estimates that over 130 million will be sold! Employees of our…
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 Looker, Wolfe & Gephart 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,…