Summer is a season of relaxation, adventure, and cherished memories. However, it also brings increased risks—from hosting gatherings and traveling to engaging in recreational activities. While standard insurance policies offer essential coverage, they may not be sufficient to protect you from significant financial loss due to unforeseen events. This is where umbrella insurance steps in, […]
When you purchase life insurance, you agree to pay monthly premiums and hope the death benefit is enough to protect your family should something unexpected happen. If you have ever felt that your premium is higher than expected, you are not alone. Understanding the factors that determine how much you will pay each month. Insurance
Risk Factors That Impact Life Insurance Premiums Read More »
Does your homeowners or renters insurance policy cover your most valuable belongings? It’s a common question people ask. Whether you’ve just proposed and need to help protect your intended’s stunning engagement ring or you’re making the artwork purchase of a lifetime, knowing that these investments are protected can bring you important peace of mind. Here’s
When Do I Need Extra Insurance for Jewelry and Other Valuable Items? Read More »
Outdoor enthusiasts across the country are gearing up for spring adventures. Whether you’re planning a road trip in your motorhome, hitting the trails on your ATV, or cruising across the water on your personal watercraft, spring marks the perfect time to prepare your recreational vehicles for action. But as you get ready for the fun,
Spring Into Adventure: Insuring Your Recreational Vehicles for the Season Ahead Read More »
Integration of Advanced Vehicle Technologies: How Innovation is Reshaping Auto Insurance The rapid evolution of vehicle technology is changing not only how we drive, but also how we insure our cars. Advanced Driver Assistance Systems (ADAS), telematics, electric vehicles (EVs), and autonomous driving features are becoming more commonplace on roads across the country. As these
Integration of Advanced Vehicle Technologies: How Innovation is Reshaping Auto Insurance Read More »
The cost of insurance has been on the rise across various industries, affecting homeowners, drivers, businesses, and individuals seeking health and life coverage. Many policyholders are noticing higher premiums when it comes time to renew their policies, leading to concerns about affordability and financial stability. Understanding why these increases are occurring and what can be
The Rising Cost of Insurance: Why Are Premiums Increasing and How to Save? Read More »
Planning for the future is an essential part of financial security, and life insurance plays a crucial role in estate planning. Many people focus on accumulating wealth but often overlook how that wealth will be distributed when they pass away. Proper estate planning ensures that your assets are protected, your loved ones are financially secure,
Life Insurance and Estate Planning: How to Secure Your Legacy Read More »
How to avoid being underinsured For many people, their home is their greatest asset, so it is critical to avoid being underinsured. To properly insure your home, it is important to ask your insurance professional four key questions. 1. Do I have enough insurance to rebuild my home? Your policy needs to cover the cost
Ensuring Your Home is Properly Covered for a Disaster Read More »
February is here, bringing the season of love! While it’s a time to cherish those closest to us, it’s also the perfect moment to appreciate those who make a meaningful difference in our lives. At Spencer Insurance Agency, Inc., our clients are the heart of everything we do. Nothing makes us feel more loved than
Clients Show Their Love with Glowing Reviews Read More »
Insurance safeguards your business, family, and personal welfare if something bad happens. Most would agree that the worst event that can occur is the loss of life. Having insurance policies in place that can protect your employees, their families, and your business at these unfortunate times can provide a little solace in a tragic situation
Key Person Insurance vs Life Insurance Read More »
Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.
