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Shelter Rock Insurance Agency

How to Choose the Right Deductible for Your Policy

When buying insurance, one of the most important choices you’ll make is your deductible—but many people don’t fully understand how it works. — 🔍 What is a deductible? It’s the amount you pay out of pocket before your insurance kicks in. For example, if you have a $1,000 deductible and $3,000 in…

What Factors Affect Your Insurance Rates the Most?

Ever wonder why your insurance rate is different from your neighbor’s—even if you drive the same car or live on the same block? It all comes down to risk—and insurance companies use several key factors to set your premium. — Here are some of the biggest ones: — 📍 Location – High-crime areas or…

How Your Driving Habits Affect Your Car Insurance Premium

Think your car insurance rate is just about your car? Think again—how you drive matters just as much as what you drive. — Here are a few driving habits that can directly impact your premium: — 🚦 Speeding & Traffic Violations Tickets signal risky behavior to insurers. Even one can raise your rates.…

Actual Cash Value vs. Replacement Cost: What’s the Difference?

When it comes to property insurance, one of the most important (and often overlooked) questions is: Will your policy pay enough to replace what you lost? — That depends on whether you’re covered for Actual Cash Value (ACV) or Replacement Cost—and the difference could cost you thousands. — 🔹 Actual…

Renters Insurance 101: Why It's More Important Than You Think

Many renters assume their landlord's insurance covers everything—but here's the truth: it doesn't. — Your landlord's policy only protects the building itself, not your personal belongings inside. That means if there's a fire, flood, or burglary, you’re responsible for replacing your clothes,…

Protecting What Matters: The Benefits of Umbrella Insurance

When it comes to financial security, umbrella insurance is an often overlooked but highly valuable asset. This type of insurance provides additional liability coverage beyond what your standard home, auto, or boat insurance policies offer. Here’s a comprehensive guide to understanding umbrella…

Care-free Travel with Travel Insurance

Travel insurance is important for a variety of reasons, as it provides financial protection and peace of mind when you're traveling. Here are some key reasons why travel insurance is important: — Medical Emergencies: If you become ill or injured while traveling, medical expenses can be extremely…

The Smart Way to Secure Your Home

Smart technology has brought us many benefits, including new ways of securing our homes. Regardless of the type of home where you live, be it an apartment or a house or anything in between, you’re sure to find helpful options below that you can manage from anywhere with just your smartphone. — …

Keep your Home Safe While You're Away with These 5 Tips

Are you planning your next big family vacation? Maybe you’re traveling for business, or need to be away from home for a few days. Although we don't like to think about the possibility of our home being damaged or burglarized while we're away, it's something to consider to ensure that it stays safe…

Avoiding Water Issues in Your Home

Water damage is one of the worst problems that homeowners can run into. Not only can it be incredibly expensive to repair, depending on the extent of the damage, but it can also create the potential for mold and mildew to form. This can pose a serious health risk to you and your loved ones,…

4 Important Tips to Help you Choose the Right Home Repair Professional

Your home is in need of some repairs, but you don't want just anyone in your home. Hiring a home repair professional can be stressful since it's crucial that you find one that you can trust. But finding the perfect home repair professional doesn't have to be a headache. Before hiring, you should be…