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from Ownby Insurance Service, Inc

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What’s Driving My Personal Auto Insurance Rates?

May 17 2017 If you drive a vehicle, you are required by law to have insurance. But why do we need it? Consider hitting a car and injuring three passengers. If both your vehicle and the other vehicle are valued at $20,000 and considered total losses, and each passenger... more

Two Important Tips for Handling a Total Loss Vehicle Claim

Jan 25 2017 “Your vehicle is a total loss.”These are words you probably never want to hear from your insurance company. But what does “total loss” really mean? A total loss is calculated when the damages to your vehicle are equal to a certain percentage or greater than... more

New Construction Needs Special Property Coverage

Nov 30 2016 Is your company having a new building constructed or renovating an existing structure? If so, you need to consider purchasing a Builders Risk policy to cover the property exposures. Some commercial property policies include coverage for this exposure, but... more

Other Structures Need Other Coverage

Nov 11 2016 You’ve found the perfect homeowners policy for your needs – that’s great! But did you consider your ‘other structures’ needs? Do you know what are considered other structures? Other structures in general are any man-made structures that are separated from... more

Auto Insurance: Beyond the Basics

Sep 29 2016 Auto insurance and the value of your car is always a hot topic. It seems every TV, billboard, and radio ad has promised to solve your auto insurance needs. One ad says that you won’t be driving around in three quarters of a car after an accident with their... more

Understanding Rental Car Coverage

Jul 28 2016 Watch our video for more on Rental Car Coverage. It’s my experience that one of the most frequently asked questions policyholders have after being involved in an automobile accident is this one: “Does my insurance policy cover the cost for me to obtain a... more

Why Is My Auto Damage Estimate Not What I Anticipated?

Jul 13 2016 Have you ever wondered what the body shop technician is looking at when they are writing up an estimate for damages to your vehicle? You may expect the estimate to come back at “this number” but are shocked to see it is actually “that number.” Why is it so... more

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