Brukhouse Insurance
From home insurance to auto insurance, business insurance, and more. We cover all your insurance needs
As an independent insurance agent I get information from a much broader slice of the industry than I did when I was captive to one company. Sometimes this information helps me find better coverage options or lower rates for my clients. Sometimes, as in this case, it merely helps to understand the landscape. Several companies …
We all pay for insurance and most of us just expect that claims will be paid when we file them. However, insurance is a legal contract and payments will be made according to the contract. Here are some common reasons claims might be denied: The coverage was not accepted. If an agent offers coverage but the …
“I had a claim and my agent didn’t help.” This is a complaint that I hear from new insurance shoppers pretty often. It’s unfortunate but it happens. Insurance agents are less involved in the claims process than they once were. Companies have added efficiency that means there are specialists taking the claim information, explaining the …
I can’t insure my home! If you own a home in a hilly or more forested area you may already have run into a new insurance underwriting tool being used called the Fireline Score. To learn more details about the score itself you can check out this link: http://www.veriskclimate.com/solutions/riskscape/wildfire-risk-scoring-fireline What I want to focus on here …
Yes, that is a worm in that apple, keep reading. This is probably not a word you associate with insurance. The 800 numbers, websites and shady agents have really done a number on our industry’s reputation. They have successfully commoditized a complex legal contract with “Name Your Price” tools, “Born Online” slogans, “15 Minutes could …
Do I need an inventory of all my possessions? I get this question a lot, most of the time when I insure a client’s home for the first time, this question comes up. The answer is most likely Yes. Insurance is an indemnification contract. That means that the insurance company is required to make you …
You are likely already aware that technology is changing the way we live on a daily basis. Rideshare apps are pushing the traditional cab driver out of the market. They are also creating a potentially risky gap in insurance coverage for their drivers. Here’s the story: I’m sitting in my car with the Uber app …
Here’s a recent story. Two days ago a young man called for a quote on auto insurance. He was paying a high premium with an online insurance company. After asking a lot of questions about his current situation I ran some quotes. It turned out that I could save him $360 per year. I could …
Spring is a great time to finally get into the garage you’ve been avoiding. We all like to clean up the things that were ignored during colder weather. Along with this it’s often a time to break out the summer toys and get them tuned up. If you are breaking out motorcycles, boats or atvs …
One of the worst calls for me to take as an insurance agent has to be the one where a client has experienced a loss and I have to deliver the bad news that this particular loss is not covered by their insurance policy. As I peruse various insurance complaints I am often struck with …
In 1974, Michelle Squires of Chattaroy, Washington, drove her beloved “hippie van” to an upholstery shop to have a fold-down bed installed in the back. The van then disappeared from the shop’s lot and Squires, broken-hearted, filed a claim with her insurance company, Allstate. They reimbursed her roughly $600 for the vehicle, which was about …
Can you insure my home business? One of the great benefits of living in a free country is the ability to start your own business. Based on the last census almost 10% of Americans work from home. Half of those are self-employed. That amounts to almost 7 million Americans. If you have a home based …
