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Insurance Guide
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As an insurance professional my main priority is establishing and maintaining positive business and customer relationships. I offer the knowledge as well as the products that will best serve my clients. I was a licensed insurance agent because I’m passionate about helping others in the community. I’m in a position to provide assistance in insurance for property and casualty and life and health insurance. No time to be concerned, we can get the job done together.

Sarah Smith Loved working with you! Very easy and professional. Always responds to my every question, regardless of how crazy they were. I will keep you as my Insurance Agent.

Jane Brown Easy to work with and very professional, I highly recommend her as an insurance agent.

Anne Black Professional insurance agent. After going through several other agents, I will never use anyone except her for my life insurance.

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INSURANCE GUIDE

Insurance is a written contract between an insurance company (insurer) and an individual or entity for which the insurer provides protection against financial losses. The insurance company is able to provide this protection by pooling risk from a large group of individuals and entities with similar needs.

Insurance is generally designed to protect you in the event of a loss you can’t otherwise pay for, such as if you total your car or require expensive surgery.

If you don’t carry insurance, you may be 100% responsible for all related costs and expenses when an accident happens.

An insurance policy is a legal contract through which an individual or entity receives protection against unexpected financial losses from an insurance company. In exchange for a premium, the insurance company will reimburse you for losses should a covered contingency arise.

Let’s say you just bought a car and want to buy insurance, as your state requires. You and the insurance company would enter into a contractual agreement in which the insurance company agrees to protect your car against certain types of damage. Six months later, you’re involved in an accident that ruins your front fender. If your car insurance policy is in force and the damage to your fender is covered, your insurer will pay to repair the damage to any extent or limits specified in the policy.

Insurance is a way to manage unforeseen risks. The instrument by which it does this is a written contract between an insurer (the insurance company) and a policyholder (the individual or entity that gets the policy)—these documents are the insurance policy.

Purchase

Purchasing a home is one of the most important decisions you’ll make, and the right advice and guidance is paramount. Experience and expertise matter and they can make a significant difference in making sure that you not only find the right house, but that you also pay the best price.

I not only have a thorough understanding of the marketplace but I also have access to many properties that are off-market 

and an awareness of properties that are about to be listed. Most importantly, I’m keenly aware of the nuances that determine value and I am discerning as to construction quality, materials, and craftsmanship.   I will listen to your needs and find you the perfect home and I will make sure that you make an educated and informed decision. Once you choose a property I will represent your interest vociferously throughout the purchase process, negotiating the best possible purchase price, managing and advocating for you during inspections, escrow, title, and closing. I will also advise you on how to make the house even better, including furniture and design, and possibly remodel ideas and augmentations where beneficial.

Seller

Choosing the correct real estate agent to sell your home is one of the most important decisions you’ll make. It can be the difference between your home sitting on the market for months or selling quickly, for hundreds of thousands if not millions of dollars more. Your home is a very personal, important, and valuable asset, and it can be an emotional and complicated endeavor to sell it, especially in today’s challenging marketplace.

Numerous questions and concerns will need to be addressed, and the advice and consultation that you receive can make a tremendous difference in the results. Marketing and advertising, remodeling and/or upgrading, photography, internet exposure, staging, design, floor-plan measurements, videography, timing and presentation, inspections, pre-market exposure, agent outreach and relationships, open houses, pricing, and dozens more nuances and subtleties all make up the difference between failure and a successful sale.