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Emerling Agency, LLC Blog

View the latest blog posts from Emerling Agency, LLC.

We all have things that we collect and buy that are totally worth the splurge—jewelry, artwork, musical instruments, bicycles, collector items, silverware, golf equipment, firearms, cameras, coin or stamp collections and more. Some of it might be quite valuable and require special insurance coverage. READ MORE >>

My roommates both have their own auto insurance- why do I need to get their drivers license and DOB for my own auto quote?  We get this question all the time.  Being an Independent agent, we are able to find the most competitive rate with the best coverage for our clients. READ MORE >>

Distracted driving occurs when a person is mentally occupied with tasks other than driving while behind the wheel. This is a very dangerous situation. Distracted driving is a leading cause of accidents in many areas. That is why states are putting distracted driving laws into place. READ MORE >>

Being a new business owner is exciting and scary at the same time. You might be wondering: What if I don't have enough clients? What do I do when my steady stream of work suddenly dries up   Here are five tips to help you manage your finances: Overestimate expenses. READ MORE >>

With winter sending an arctic blast across much of North America, homeowners and business owners will want to increase monitoring to prevent damage from frozen pipes. Watch our video for tips on how to prevent pipe freezes. READ MORE >>

A broken television can be a large loss for some homeowners. Many of today's larger TVs cost hundreds of dollars or more. When an accident occurs and that TV hits the floor, you may be a bit worried about the loss. In some situations, your home insurance can help you. READ MORE >>

Auto insurance costs differ from one person to the next. One of the reasons is often the deductible. This is the amount paid prior to the insurer funding the rest of the insurance claim. Choosing the right deductible amount is important. It impacts how much you'll pay for insurance and claims overall. READ MORE >>

Home insurance policies differ significantly from one another. In many situations, they will provide coverage for smoke damage. However, this depends on a variety of factors. The individual circumstances of the situation play the biggest role here. Homeowners need to take a closer look at their policy to learn if smoke damage coverage is available. READ MORE >>

You parked in the wrong location. You have a ticket to show for it. Will this raise your auto insurance costs? In most cases, tickets like this do not put your license at risk. They often do not impact your auto insurance rates either. There are a few things to keep in mind, though. READ MORE >>

Do you still have an auto loan? Lenders almost always ask for full car insurance coverage. However, have you paid off your loan? You may think about dropping parts of your coverage like collision and comprehensive insurance. If you only keep liability coverage, you might reduce your auto insurance bills. READ MORE >>

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