Shepard Insurance Insights

Choosing a Basic Home Insurance Policy Need to Know! To be clear, the chance that you have a fire, or suffer a major water damage claim to your home during all the years of ownership, is not high. The chance is even lower if you are diligent about maintenance and repairs. But your primary residence [...] Read More

Don’t be the Email Catch The simple steps to avoid being email hacked Not a day goes by without receiving an email from a hacker trying to get you to give them access to your account. Some of the efforts are very creative. Recently I received an email from State Farm offering auto insurance for [...] Read More

Home Security Is Your Alarm System Inefficient? The primary purpose of a home security system with central station monitoring is early notice of an event, such as smoke or an intruder. With 40 years of issuing home insurance policies, which includes reviewing alarm components and applying premium credits, we routinely find a great many alarm [...] Read More

Home Insurance Exclusions! What is not Covered in the Event of a Claim It is important to avoid an unwelcome surprise, that you are very clear on what is not covered under the insurance policy protecting your home. For this post I am going to paraphrase those terms found under “Exclusions” in your policy to [...] Read More

Increasing Construction Costs! A significant Challenge to Home Replacement Cost. Almost every home insurance policy includes replacement cost language that becomes very important if you ever have a claim. And now with inflation hitting the construction of new and renovated homes, the language is becoming even more important. "when you are insuring a vital asset [...] Read More

Rising Premiums in Flood Insurance Assume the Location We have blogged in the past about Risk Rating 2.0, and the future of Flood insurance. The ability to assume a Flood policy is a significant benefit in controlling the flood insurance cost that is driven by the mortgage of a new buyer. From our limited experience, [...] Read More