October 26, 2026
dfarrellinsRenting Out Your Property? Insurance Questions You Need to Ask First
Turning a property into a source of rental income can be exciting. Maybe you’re renting out a spare room. Maybe you’ve purchased an investment property. Maybe you’re renting your vacation home when you’re not using it. Or perhaps you’re considering listing your property on a short-term rental platform. Whatever the arrangement, there’s one step you […]
October 23, 2026
dfarrellinsLeasing vs. Financing a Car: How Insurance Requirements Can Differ
Shopping for a new car often comes down to one major decision: Should I buy it or lease it? While that decision involves payments, ownership, mileage, depreciation, and long-term plans, there’s another factor that deserves attention: Insurance. Whether you finance or lease a vehicle can affect the insurance requirements placed on that vehicle and what […]
October 22, 2026
dfarrellinsWhat Happens When Someone Else Drives Your Car? Understanding Permissive Use
“Can my friend drive my car?” It sounds like a simple question. But what happens if that friend gets into an accident? Who pays? Does your insurance cover them? Does their insurance cover the damage? And what if someone in your household drives your car regularly but isn’t listed on your policy? Auto insurance can […]
October 21, 2026
dfarrellinsVacant vs. Unoccupied: Why the Difference Matters to Your Insurance
If you own a home that isn’t occupied all the time, you may think of it simply as an “empty house.” Insurance companies may see things differently. There can be an important distinction between a property that is unoccupied and one that is considered vacant, and that distinction can affect how an insurance policy responds to certain losses. […]
October 20, 2026
dfarrellinsInsurance 101: Understanding the Fine Print Before You Need It
When you purchase an insurance policy, you probably pay attention to the premium. You might also look at your coverage limits and deductibles. But what about everything else? Insurance policies can contain pages of terminology, conditions, exclusions, endorsements, definitions, and legal language that can be easy to overlook—especially when you’re purchasing coverage for the first […]
October 19, 2026
dfarrellinsHow Insurance Companies Determine Your Premium: What Actually Affects the Price You Pay
When you receive an insurance quote, you may look at the final number and wonder: “How did they come up with that price?” Insurance premiums aren’t random, and they aren’t based on just one factor. Insurance companies evaluate a variety of information to estimate the likelihood and potential cost of future claims. That process is […]
October 16, 2026
dfarrellinsInsurance After a Major Life Change: 10 Times You Should Call Your Insurance Agent
Life changes quickly. You get married, move into a new home, buy a new car, welcome a child, start a business, or make a major purchase—and insurance may be the last thing on your mind. But many major life events can change what you own, who depends on you, where you live, how you drive, […]
October 15, 2026
dfarrellinsInsurance for Life’s Big Purchases: What to Update When You Buy Something Expensive
Buying something you’ve been saving for can be exciting. Maybe it’s a new engagement ring, a luxury watch, a piece of artwork, a high-end television, a new set of furniture, or a collectible you’ve been searching for. But after making a significant purchase, there’s one question that often gets overlooked: Is it adequately insured? Many […]
October 14, 2026
dfarrellinsWhy Your Home Insurance Coverage Limit May Need to Be Revisited After Renovations
A home renovation can completely change the look, functionality, and value of your property. A new kitchen. A bathroom remodel. New flooring. An upgraded roof. A room addition. A pool. Custom cabinets. Solar panels. Even a major garage conversion. These improvements can make your home more comfortable and valuable—but they can also change what it […]
October 13, 2026
dfarrellinsIdentity Theft Insurance: What It Actually Covers
Identity theft isn’t just about someone stealing your credit card number. A thief who obtains your personal information may attempt to open credit accounts, take out loans, access financial accounts, use your identity to obtain services, or commit other types of fraud in your name. And while many people know they should monitor their credit […]