What affects my Auto Insurance Rates?

Know what impacts your rates! Rating factors (meaning what do insurance companies look at when they determine your insurance rates). Your age How many miles you drive annually Car make, model, and age Getting a speeding violation or DUI Causing a car accident How many people are insured on a single policy Where you live […]

2018 Harvest Price Discovery – Corn & Soybeans

Can I save money knowing the different types of Insurance Deductibles?

What are the different types of home insurance deductible? Insurance deductible refers to the dollar value you’ll pay out of pocket before your insurance company covers the rest of the money for a claim. When it comes to homeowner’s insurance, it’s not always quite that simple.  Homeowner’s insurance policies can have three different types of […]

USDA Launches Trade Mitigation Programs

Information below provided by USDA’s Farm Service Agency and subject to change. USDA’s Farm Service Agency (FSA) will administer the Market Facilitation Program (MFP) to provide payments to corn, dairy, hog, sorghum, soybean, and wheat producers. The sign-up period for MFP is now open and runs through Jan. 15, 2019, with information and instructions provided […]

2018 Harvest Price Discovery – Wheat

Back to School Safety

It is hard to believe that the new school years is upon us.  As a parent, you are either jumping for joy or dreading every moment of it (I tend to be in the “dread” column). It is important the we all take a little time to review some safety tips to keep all our […]

Garage Sales – Clean out, make money—but protect yourself

A garage sale is a great way to rid your home of unwanted items and potentially make a little money at the same time. In fact, homeowners commonly put on garage sales once a year or when moving from one home to another for those very reasons. However, before conducting your sale, you should review […]

My basement flooded. My insurance says its not covered.   Can I get flood insurance?

You can give your home more protection, so you have peace-of-mind For many homeowners, flood insurance is an essential extra layer of protection. Adding flood insurance to your insurance package means you’re covered if groundwater rises and floods your home—a situation that isn’t usually covered by home policies. Why flood insurance might be a must-have […]

Why wasn’t my insurance claim check bigger?

My coverage was for more than that wasn’t it? As an auto or home policyholder, many of us forgo reading the fine print when it comes to our policies.  However, you should be aware of some basic differences in coverage, the devil is in the details, as they say. Actual Cash Value (ACV) vs Replacement […]

What are the principal types of life insurance?

There are two major types of life insurance, term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life. The information below focuses on life insurance sold to individuals. Term Term Insurance is the simplest form of […]