What is a Personal Umbrella Policy Anyway?

Maybe you’ve heard of umbrellas. Maybe you haven’t. I don’t mean the kind we’ve been using all summer long to combat Indiana’s unpredictable weather.   I’m talking about a personal liability umbrella policy.   Or maybe you’ve heard of it but it was called something else?   A Personal Umbrella By Any Other Name Would Smell as Sweet It’s...

3 Ways to Buy Home & Auto Insurance

You know you need to buy home & auto insurance. But what’s the best way to get it?   Well, there are…you guessed it… 3 ways. Each one has its pros and cons, but it can take some digging to figure out what’s best for you. Especially when you see those big name insurance commercials. They’re funny. And sometimes the path of least resistance just seems like the...

The Story of Green Funeral Pioneer Esmerelda Kent

The Story of Green Funeral Pioneer Esmeralda Kent There are some jobs it seems no one would ever want. Who actually wants to pump a septic tank, for instance? And why on earth would anyone work in a restaurant dish tank? As human beings, we constantly rationalize our place in the world by comparing ourselves to people who seem to ‘have it worse.’ But the very concept of ‘having it...

4 Reasons Your Insurance Price Went Up

–‘Why did my insurance premium go up?’ This is a question that we address almost every day. No matter what kind of policy you’re dealing with– auto, homeowners,etc– the last thing you want to see on your insurance renewal form is a premium that’s been increased for no apparent reason. That’s exactly what we’re here to clear up. Today, we’re going to discuss the...

Air BnB Insurance: How To Get it Right

Thinking about renting your home via Airbnb? The insurance side of Air BnB and other vacation rentals can be complicated so let’s give you a solid foundation to work from. Watch the video here: Does Homeowners Insurance cover Air BnB? No, it doesn’t. Insurance companies differentiate between personal insurance and business insurance.  When you bring a business into your home,...

How Do Realtors Get Paid?

Have you ever wondered how a realtor receives compensation? This information is VITAL in knowing how your realtor will/could affect the price of your home!   How does it work? When a seller hires a realtor, they negotiate a price, or commission, the realtor will receive the the home sells. The commission is paid at the closing. A seller will post the commission amount in an area that the...

We’re Hiring!

We’re hiring: Customer Service Representative Shine Insurance Agency – Changing the way people feel about insurance Position: Customer Service Representative Summary The Customer Service Representative supports Shine staff and clients as receptionist, office manager, and customer service. Like all Shine staff members, the CSR is expected to be a loyal, friendly, and trusted teacher...

Water Damage Claim: A 5 Step Overview

Coming home to a kitchen full of standing water is scary but it’s something you can totally have control over. Jeremy and his guests Matt & Mark from Harris Services will walk you through the five steps you’ll experience in a water damage claim. WATCH THE VIDEO HERE: Here’s an overview: • Step One: Stop the Damage If it’s safe, you should stop the water from doing more damage. That...

5 Reasons a Homeowners Claim Gets Denied

We purchase insurance for one reason – to pay for our loss when something bad happens. But search any insurance company on Google, and you’ll see a bunch of complaints from folks whose policies didn’t pay. These people are usually mystified and miffed, and ready to tell anyone and everyone how terribly the insurance company treated them. As agents, we’ve read through a lot of...

Welcome Braxton Harris to the Shine Team

  We’re so psyched about our newest Shine team member, Braxton Harris. When Braxton walked in the door to drop off his resume, we just knew he was perfect for Shine.  He’s kind, professional, bright, and he understands that exceptional service means everything for our clients. He’s been working at Shine for a month, and he will be an official Agent in early March. Braxton is...
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