Galen Brinson Insurance Agency

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LET’S TALK INSURANCE BASICS – Making complex insurance stuff easy to understand

  Today’s topic:  “I have two quotes for homeowner’s insurance.  One has an annual premium of $2,440 and the other is $3,275.  What’s the difference?”  As with most other questions, the answer to this one is not complicated. Most homeowner insurance policies today are what we call “all-peril” policies.  An all-peril policy insures against loss

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Why do I need to insure my home for more than it’s worth?

Our past columns have focused on auto insurance.  We’ve much more to cover on auto insurance and we’ll return to it in future columns but for today let’s shift to homeowner’s insurance.   A question I hear often is, “My home is worth $XXX,XXX.  Why does the insurance company want to insure it for more

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LET’S TALK INSURANCE BASICS – Making complex insurance stuff easy to understand

Today’s topic:  The TV guy who “saved $$$ on car insurance premiums by switching to XYZ Insurance!” A few months ago a fast-food sandwich shop had a tag slogan on their commercial that said something like, “If you find someplace that wants you to buy a sandwich from them for $1.00, run away fast.  Something’s

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LET’S TALK INSURANCE BASICS – Making complex insurance stuff easy to understand

Today’s topic:  What’s the “best price” for insurance? As an insurance agent I receive calls from shoppers (and I eagerly welcome them!) wanting quotes for insurance.  Naturally, most are shopping for the best price.   People always shop for a best price on insurance, and that’s good.  It’s usually unwise to pay too much for

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