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Why do my auto insurance rates keep going up even though my car is getting older?  At Brown & Associates Insurance, many of our clients ask this question so I would like to address it from a couple of angles. First things first, even though it’s called car/auto...

I was recently asked this question by one of our Brown & Associates Insurance clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot...

I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you a...

As your life changes, your insurance policies should change with it. When there is a change in your life that needs to be reflected in your insurance policy, give us a call us to discuss it. If you don’t, you could be missing out on discounts and even end up having a...

The average driver will be involved in more than three accidents in their lifetime. In a world where people are more likely to seek legal action, and medical expenses are increasing, you need to make sure that you have the proper coverage at the time of those...

Do you need flood insurance? If you own property that could be damaged or destroyed by water, then you should seriously consider buying flood insurance. Is A Flood Loss, Likely?The chances of your business, home, or personal property being damaged by a flood depend...

A commercial property insurance policy covers most direct losses to a business’s structures, equipment, and related property. However, what happens when weather conditions turn mean and cause indirect damage by knocking out utility services? The property could be...

The insurance industry is constantly undergoing changes that are likely to impact business owners.  At Brown and Associates Insurance, we monitor these changes so we can help our clients navigate them with confidence.  The most significant changes we see today revolve...

No business wants to face an event that could seriously curtail or even shut down operations. Unfortunately, few businesses have plans to deal with such a disaster. It is not unusual for a business to overlook creating disaster plans. Further, companies that do have...