Shepard Insurance Insights
An Insider’s view on the future of Home insurance policies
With more than 40 years of experience in assisting property owners with protecting their home, with a home insurance policy, you would expect that we have seen it all. But now we have Global Warming. In the past 12 months we have had: Hurricanes Wild fires Mudslides from heavy rains after the wildfires Major hailstorms [...]
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How much Excess Liability Insurance is Enough?
Accidents unfortunately happen! It can be a distraction to your driving, or an unintended party at your home! Even with intelligent prevention efforts, some of these events are out of your control. If the unlikely, unfortunate accident does occur, and you hold the responsibility, it boils down to a matter of how much? How much [...]
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Top 4 Reasons to have a Large Umbrella policy!
Despite best intentions, often times accidents are beyond your control. Which is the reason that having a sizeable umbrella policy as a back stop makes very good sense. If you are concerned about the cost, increase your deductible to offset the cost to amply Personal Liability Insurance. Here are the top 4 reasons to have [...]
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Taxes making you flee to Florida?
What you should know about buying a Florida home: Successful individuals and families are slowly becoming aware of the new limit on tax deductions for State and Local Tax (SALT), and the resulting increase in their taxes. Some of those people are actively planning on a move to a state without state income tax, such [...]
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Four Things Your Client Wants from their Insurance Professional
Are they getting it? At Shepard Insurance Group we routinely are asked by Wealth Managers and Investment Professionals to provide a "Second Opinion" on their client’s insurance protection as a value added effort. By a large percentage we routinely find two issues. Clients do not have appropriate coverage for their individual needs, and many are [...]
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What is your Client’s Number?
Success comes with plenty of responsibility. Whether your client decides to organize for that responsibility is the first question. Most do, but some successful people choose to ignore the responsibility. It starts with the number. How much of the clients net-worth is necessary to live the balance of their life, meeting all needs and obligations, [...]
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