Many people purchased an RV or a camper during the COVID-19 pandemic. They sought a way to have vacations safely and spend time with family without worrying about canceled reservations. In fact, according to the RV Industry Association, December 2021 showed total shipments from RV manufacturers up nearly 47% from the previous December. RVs and…
Safe drivers pay less for car insurance because they cost insurance companies less in payouts. This is why insurance companies often incentivize safe driving with discount programs. They go by various names, depending on your insurance carrier, but the basics are the same. They save you money, just for driving safely. How Do They Know…
Does Your Homeowner’s Insurance Cover Your Airbnb? If you have been reading our blog for a while, you probably know how important homeowner’s insurance is. It protects you against losses spanning from vandalism to fire. If you are going to rent out a property separate from your residence or even a room in your home,…
If you own a lake home, you will want to have the right kind and amount of insurance to protect your property. Here are some things to keep in mind when insuring your lake home. In the Land of 10,000 Lakes, there are plenty of lake homes! If you own one of them, you will…
Do You Have an Inventory of All Your Belongings? As a homeowner or renter, you should have an accurate, up-to-date inventory of all the personal property at your residence and off-site storage facilities. There are several reasons to create a thorough list and plenty of ways to approach the project. Determine how much insurance coverage…
Landscaping is expensive, takes time to establish, and adds a lot of value and curb appeal to your home. So, what happens when part of your landscaping is damaged? Do you have to pay for it out of your pocket, or is there insurance coverage to soften the financial blow? Homeowner’s Insurance to the Rescue…
Is Your Property Safe in Storage? How to Protect it! It seems everyone has something in storage. But what happens if the contents of your storage unit are stolen or are destroyed by mildew? Self-storage units of all kinds are popping up all over the place. It seems everyone has something in storage. They are…
Got Cold Feet? There’s a Policy for That! Cold Feet or Change of Heart policies are specific policies that cover the financier of the wedding (but not the bride and/or groom). Weddings are expensive! According to the Wedding Report, the projected average cost for weddings in 2022 and 2023 ranges from $24,300 to $24,900, up…
Let’s Talk Whole Life Insurance Life insurance can be confusing to shop for. Therefore, it is crucial to understand the differences between whole life and term life insurance to make the best decision for you and your family. The Cost of a Whole Life Insurance Policy Whole life insurance costs more than term life insurance,…
Let’s Talk Term Life Insurance Here at Hermann Insurance, we want what’s best for you! Certainly when regarding Life Insurance and anything else your family needs. It is essential to know what you are shopping for and today, we will go over Term Life Insurance. Life insurance can be confusing to shop for. It is…