Shepard Insurance Insights

A Few Organizational Tips for your Documents What is your most important personal device? In our opinion it is your cell phone! Do you check it when you wake up, is it with you all the time wherever you travel? Let’s put it to use! Here are a few Tips! If you are the unlucky [...] Read More

Home Insurance is Following the Health Insurance Model A number of years ago with health insurance premiums escalating at an uncontrollable %, the plan for providing health insurance changed to a more severe claim response. Routine maintenance was still provided but larger deductibles applied for any condition, backed up with tax deductible Health Savings Accounts. [...] Read More

Location Still the Best Factor in Controlling Insurance Costs It may surprise you a little that if you choose California for your home with wildfires & mudslides, or Florida with hurricanes and flood, you will have very little control over your home insurance premiums. “If you have your heart set on a location to build [...] Read More

Be in the Know The future of Insuring a Coastal Home With the recent intensity of these climate driven storms, it is no surprise that home insurance carriers are re-evaluating exposures. Coastal and especially flood prone areas are in the bullseye of that evaluation. Distance to the coastline and then your property’s elevation are the [...] Read More

Plumbing Shut Off A Prevention Step with Credit! It is a bit surprising with all the intense weather events that interior plumbing leaks are the #1 insurance claim for homeowners. It’s become very clear that your plumbing was not intended to last a lifetime and a leak can turn into a major claim. “Driven by [...] Read More

Spring Cleaning Get a head start on Maintenance & Prevention It is always a positive step to get out ahead of those maintenance items that are part of owning a home. Failing to complete this short list of spring cleaning can leave you exposed to what has become increasing extreme weather events. “Get a head [...] Read More