Shepard Insurance Insights

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

Rising Construction Costs! Exposing the Limitation of Basic Home Insurance Policies Insuring your most important asset, your residence, with a basic home insurance policy (vs a premium contract), comes with a wide range of coverage limitations. The most important one being the Replacement Cost limitation on rebuilding to the insured value of your home. “Inflation [...] Read More

Hold Back for Depreciation The #1 reason to insure with a premium contract! In previous issues of our blog, we have written about the benefits of selecting a premium insurance contract (written by a company like Chubb), over a basic policy underwritten by the vast majority of insurance companies that you listen to advertising on [...] Read More

Name Your Price Auto Insurance A Hidden Tax on Success! It is impossible to miss if you turn on the TV or listen to your radio. A group of auto insurance companies luring drivers with advertisements suggesting you can “name your own price” for insurance coverage. So, let’s be honest, this process is an effort [...] Read More

Frigid Air Weather in the Teens over the Christmas Weekend! Climate continues to be a challenge and a concern, this time with frigid temperatures dropping into the teens. As we focus on the holidays, give some thought to the extreme cold and the concern that pipes may freeze and create an ice palace in your [...] Read More