Being from Wisconsin we are very familiar with snowmobile insurance. When you purchase a snowmobile policy, you’re going to want to be aware of a few things. I’m going to touch on a couple of these items here to day so you have a little more knowledge when you go out to shop for your snowmobile insurance. Now, snowmobile insurance, the biggest thing you want to protect yourself against...

When you’re building a new structure you’re going to want to have builders risk coverage. Builders risk coverage can apply to commercial buildings. It can also apply to residential homes. So whether you’re building a home or you’re building a commercial project, you’re going to want to have builders risk coverage. What does builders risk coverage do for you, you...

“How much home insurance should I buy?” It’s a common question. There’s several different ways to look at this. If you want to insure for what is known as “replacement coverage,” you need to keep in mind several different things. The biggest thing is: “how much is it going to cost me to rebuild this home or this building if there’s a total loss?”...

There are several different ways to insure items, whether it be buildings, your personal property, business property. Two of the most common ways are replacement coverage or actual cash value. I’m going to help you decide which one is right for you, and I’ll give you a little information on both. Let’s start with actual cash value. Actual cash value is a depreciated value....

Hello. I am Ron Philleo with Philleo Agency Insurance. A lot of insurance companies are using credit scoring to determine your rates and your eligibility in order to be able to get insurance. Today I am going to talk to you a little bit about how that you can benefit you or how it may hurt you. Why do they use credit scoring? Well credit scoring is just another underwriting tool. It is like...

Hello. I’m Ron Philleo with Philleo Agency Insurance. Today I’m going to help you decide whether you need to carry what’s known as collision and comprehensive on your vehicle, or it’s sometimes referred to full coverage. Now, there’s a couple different aspects of the insurance policy you’re going to want to be aware of. Liability is coverage in case you injure...

How do I get homeowners insurance? How do I go about doing that? What do I need to provide to the agent and how do they get a quote and set up coverage for me? That is a very common question. If you need homeowner’s insurance, you are buying your first home or your first condominium and you are not sure how to go about doing it, here are a few tips for you. Call an agent. We don’t...

Hello, I’m Ron Philleo with Philleo Agency Insurance, and welcome to Video Insurance Agency. Today’s video is jewelry coverage. Jewelry coverage is covered underneath your homeowner’s policy, renter’s, or condo policy, but there’s very limited coverage for jewelry under those policies. Typically a homeowner’s policy will cover $1,000 or maybe $2,500 per item,...

Personal liability – It is a question of what is it and what does it do for me? Well, personal liability insurance most likely is attached to your home, condo, or renter’s policy if you carry personal liability. It covers you on and off premises at your home. It will protect you in case a lawsuit or a claim is brought against you where you are responsible for the injuries to other...

Hello and welcome to Coverage Concepts. I’m Ron Philleo with Philleo Agency Insurance. One of the calls we get frequently is, “I’m buying a new house or a condominium and my mortgage guy said I have to have homeowner’s insurance or hazard insurance. Can you help me with that?” Well let me explain what homeowner’s insurance does. When you purchase a new home...