Shepard Insurance Insights

Where is my Identification Card? If you happen to be one of the unlucky drivers that gets pulled over by the police for any reason, the two things they ask for is your registration and then your insurance ID card. If you are highly organized with every renewal of your auto insurance you diligently pull [...] Read More

Is your address under the microscope? It is abundantly clear that climate change, and the devastating storms that seem to be one result of the change, has the full attention of those insurers committed to providing home insurance. We say committed because there are several companies that are withdrawing, first from high disaster areas, and [...] Read More

Lessons from Devastating Storms The “hold your breath strategy”: hoping that the next weather disaster will not impact your home has been exposed with intense storms happening in many new locations across the United States. Clearly Ian, tearing up the west coast of Florida is not surprising, but the great majority of homeowners were poorly [...] Read More

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 is an important asset and choosing [...] Read More

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 $1 per day. Wow, $360 [...] Read More

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 systems are [...] Read More