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 […]

Livestock Risk Protection

What is Livestock Risk Protection? (Sleep Insurance) Livestock risk protection insurance (LRP) is a price insurance policy developed as a price risk management tool for feeder cattle, fed cattle and swine. LRP provides a method to establish a floor selling price for livestock, and it protects against catastrophic price declines. For feeder cattle, an LRP […]

Pasture Range Forage (PRF)

The More You Know … what is Pasture Range Forage (PRF) What is Pasture Range Forage? The PRF policy is an area-based insurance plan that covers perennial pasture, rangeland, or forage used to feed livestock. It provides producers a risk management tool to cover the precipitation needed to produce forage for their operation. What does […]

Prevent Plant 2018

Not the Prevent Plant of old days! 1.    20/20 rule still applies a.    20% of all acres – If you are Enterprise Units, 20 acres, OR – 20 acres per unit if Optional Units 2.    Corn is paid out at 55% of your acre guarantee 3.    Soybeans is paid out at 60% of your acre […]

Insuring your Tiny Home

They’re mini, homey, and cute. But they’re still your property, so get those tiny houses insured! A few short years ago, it was hard to find any insurance company that would take on a tiny house. Nowadays, the tiny home movement is growing and just like the mobile home movement back in its day, a […]

Do I need insurance for my recreational vehicles?

If you currently own or are considering buying a recreational vehicle (RV), you are likely asking yourself: do I need RV insurance? Like auto insurance, coverage for your recreational vehicle is required. Many states require uninsured or underinsured insurance, and every state requires minimum liability coverage if the vehicle is driven on the road. Some […]

5 Valuable Items That May Not Be Fully Covered Under Your Homeowners’ Policy

It’s good to know that your valuable personal possessions are insured against disasters and theft under a homeowners’ policy. But what many people don’t realize is that certain types of items come with coverage limits or caps. Jewelry, watches and furs Silverware and antiques Electronics Firearms Coin collection While a standard homeowners insurance policy provides […]

Suicide – The Silent Killer

2018 is still young, but I know more than one friend who has been impacted by suicide this year. When many of us hear about suicide we are heartbroken. We think about, among other things, lives that ended too early and the families that will never be the same. This past September I was in […]

Recipe Corner – March

Momma Marietta’s Chicken with Sauerkraut By Donna Horkey 6 boneless, skinless chicken breasts 1 package of sauerkraut Swiss Cheese 1 bottle Thousand Island dressing Season chicken a little and place on the bottom of pan. Place sauerkraut on top of chicken and spread Thousand Island dressing over chicken and sauerkraut. Place sliced swiss cheese over […]