The Mitchell Insurance Group - home insurance, auto insurance, business insurance, life insurance and specialty insurance
home insurance, auto insurance, business insurance, life insurance and specialty insurance
What is an Insurance Broker or Independent Agent? An insurance broker or independent agent is a licensed professional who helps clients find the right insurance coverage by shopping multiple insurance carriers. Unlike captive agents, who work exclusively for one insurance company, independent brokers work for their clients—not the insurer. This means they provide unbiased recommendations …
Homeowner’s insurance is a vital safeguard for major losses, covering catastrophic events ratherthan everyday wear and tear. Understanding this distinction can help prevent misunderstandings and ensure your policy serves its intended purpose. What’s Covered vs. What’s Not Homeowner’s insurance protects against sudden, accidental events like fires, storms, or theft, but it doesn’t cover maintenance issues …
If you’ve missed a payment on your homeowner’s insurance or let your policy lapse, you might encounter “forced placed insurance.” This policy is one your lender imposes if your coverage lapses, and while it protects the lender’s investment, it may leave your personal property uninsured and is often more expensive than regular homeowners insurance. What …
Floods can happen almost anywhere, and recent events like the devastating floods in the Smoky Mountains serve as a sobering reminder of how unpredictable and damaging floodwaters can be. Did you know that your homeowners or landlord policy typically does not cover flood damage? This can be an unexpected and costly realization for many homeowners …
