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Loftis & Wetzel Corporation Blog

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If you have ever considered purchasing homeowners insurance on a home, you probably encountered a discussion about the “value” of your home. You might be thinking that a home you purchased for $200,000 should reasonably be insured for $200,000-- but your insurance agent might have wanted to talk in higher numbers. READ MORE >>

Congratulations on your new vehicle purchase! Or maybe you are thinking about a new purchase-- in which case, I applaud your forward thinking! But now, you surely have questions about what your insurance will do once you make the purchase. The answer to your questions all depend on the circumstances under which you buy the new vehicle. READ MORE >>

Maybe you have found your dream home and signed on the line to buy. But, you aren’t finished yet. You still have things to do before the moving truck arrives. Failing to properly take possession of your home might create problems down the road. READ MORE >>

Life insurance policies have specific language in them to minimize the risk that the funds end up in the wrong hands. If you file for divorce, you can most often change the terms of your life insurance policy. However, there may be limitations to doing this. State laws can differ. READ MORE >>

An important condition of many workers’ employment is their ability to obtain benefits. Employers may offer health insurance, life insurance, workers’ comp and other coverage. Often, many employers legally must provide certain benefits.  Still, employers must do more than simply provide benefits to their teams. READ MORE >>

The sunroof on a vehicle is a nice benefit to the car. It can also pose a high risk in some situations. Auto insurance may cover some loss related to your sunroof. However, this depends on the type of insurance you have. The sunroof is a bit different than the vehicle's windows. READ MORE >>

Home insurance provides financial help if a theft should occur. Vandalism is another risk usually covered by insurance. However, every homeowner should take steps to protect their home. This will help you feel more secure at home. It also helps ensure your home insurance costs remain manageable. READ MORE >>

Employing a workforce on a farm requires care and attention. If farm operators don’t protect their employees, they could subject these workers to physical injury or illness. This could impact the employee’s ability to work. If a farm worker cannot work, their livelihood could be at stake. READ MORE >>

Most health insurance covers a yearly check-up or physical with your primary doctor. You usually can receive a physical or free or by only paying a small supplement, like a co-pay. Physicals and check-ups are important aspects of your overall wellness regimen. READ MORE >>

There's no perfect way to determine how much term life insurance you need. However, when you consider your current and expected future needs, you can make good estimates. Here are five questions to consider when determining how much coverage you want: How old am I now? READ MORE >>
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