Insurance Resources & Insights
Tips, updates, and education from the Hickory Cove Insurance Group team.
Navigating 'Accident Forgiveness': A Closer Look at Auto Insurance Discounts and Surcharges
While accident forgiveness prevents a specific surcharge after a claim, it's not an all-encompassing shield from cost increases. Understanding the nuances could save you money.
Unlocking Real Estate Success: The Essential Realtor and Insurance Agent Partnership
Partnering with an experienced realtor and an independent insurance agency creates a seamless experience that ensures insurance never derails your real estate transaction.
Insurance Nuances Every Real Estate Investor Should Know
From landlord policies to builder's risk and vacant property coverage, investors must understand the insurance nuances that could impact their portfolio growth.
Identity Theft Coverage on Standard Homeowner Policies: Know the Limitations
Standard homeowner policies often offer limited identity theft coverage. With cybercrimes on the rise, understanding what's covered — and what isn't — is more important than ever.
Auto Rate Increases Explained
Auto rates seem to continuously increase no matter how safe a driver you may be. This article explores the key factors driving those increases and what you can do about it.
Pros and Cons of Each Type of Insurance Agent
Captive agent, direct-to-consumer, or independent? Each distribution channel has its own pros and cons — here's what you need to know before choosing.
There is More to Insurance Than Just Home and Auto
Boats, golf carts, art, collector cars, umbrella, personal property — there is a long list of specialized and important policies that are very often overlooked.
Make Sure You Review Your Insurance Renewal
When your home insurance renewal is due, it's tempting to just auto-renew. Here are the key reasons why taking a closer look every year can save you money and improve your coverage.
Insurance Q&A Session with ChatGPT
We sat down with AI to tackle the most common insurance questions we hear — from "full coverage" myths to how to pick the best agent. The answers were surprisingly spot-on.
Why Higher Auto Policy Limits Can Save You Money
Most consumers think higher limits always mean a higher bill. In reality, carrying higher auto liability limits can protect your assets and cost you far less than an uncovered claim.
Umbrella Insurance Should Not be Overlooked
A personal umbrella policy provides $1 million or more in additional liability coverage at a surprisingly low cost. Here's why everyone with assets should consider carrying one.