Posts by Adam King
Insurance Term of the Day: Premiums
Understanding Premiums
Read MoreBenefits of Vitamin D
Soak up the sunshine and Vitamin D this summer
Read MoreNational Police Week:
A week dedicated to honor our Peace Officers.
Read MoreWhy Is CE (Continuing Education) Important?
Keep yourself “on the ball” with continuing education.
Read MoreContributory/Comparative Negligence
You get into an accident that “wasn’t” your fault. There shouldn’t be any consequences right? Think again.
Read MoreNOT ALL THIEVES ARE STUPID
1.LONG-TERM PARKING: Some people left their car in the long-term parking while away, and someone broke into the car. Using the information on the car’s registration in the glove compartment, they drove the car to the people’s home in Pebble Beach and robbed it. So I guess if we are going to leave the car…
Read MoreVALUATIONS
Replacement Cost – This loss valuation method pays for the cost to repair or replace damaged items with like kind and quality without deduction for depreciation. You will normally see this valuation with newer, occupied buildings. Actual Cash Value – Actual cash value is the amount equal to the replacement cost, minus depreciation to the…
Read MorePlanning to buy an electric “toy” for your tween this Christmas?
Picture this…. Dec. 25th, 13 year old, Johnny is psyched about his new electric skateboard. (pic of kid with electric skateboard) Now he can cruise around town with his friends. He cruises up to the park to practice on it. While he’s there, he runs into someone causing them to fall and break their arm.…
Read MoreMarket value vs. Insurance value
What is Market Value? Market value is the amount that a buyer would pay to purchase a structure (home/commercial building) and its land in its current condition. Unlike estimated replacement cost, its market value is influenced by factors beyond the material and labor costs of repairs or reconstruction, such as local crime statistics, and the…
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