With homeowners policies, you need to be careful that you don’t just assume that everything is covered. If you have items such as camera equipment, if you start taking pictures for a living or as a sideline business, there’s an exclusion in most homeowners policies for business use of those items. Let’s dive into more […]
Learn the Ins and Outs of Separate Endorsements Read More »
Spring cleaning is a ritual for many households. It is the time we put away our winter clothes and rid our houses of items we no longer want. It is also a time for deep cleaning. Did you know simple deep, spring cleaning can help protect you from claims? Play Video Change Air Duct Filters
Spring Cleaning Saves You Money Read More »
You’ve paid off a loan; congratulations! Before celebrating one less loan payment, there is an important, often forgotten, step you need to take with your insurance policy. Did you know that your insurance agent should be notified once you paid off a loan? Joel Harmoning, Owner and Licensed Career Agent of Harmoning Agency, provides insight
You’ve paid off a loan, now what? Read More »
Play Video A question we receive occasionally from our customers is what is the difference between employer group life insurance and agent purchased life insurance. Life insurance provided through your employer is fine and usually, reasonably priced. Sometimes it is even paid for by the employer. But it should not be your only life insurance.
Employer vs. Agent Life Insurance Read More »
Thank to all of our customers for a great, but unusual year. 2020 brought with it many challenges but as we celebrate our 20th year in the insurance business at Harmoning Agency, I thank you all. Merry Christmas, Happy New Year and Stay Healthy.
Thank You for a Great 20th Year in Business Read More »
As a grandpa I know firsthand the love and feelings you have when you have grandkids. I would do anything for them, just like you would for yours. How about giving a valuable gift for a grandchild? A 5, 10 or $20,000 paid up life insurance policy will protect your grandkids until age 25. For
Youth Plus Life Insurance Read More »
Millions of Americans make donations of cash and property to the charities of their choice each year. However, many donors are left wishing that they could do more for the charities that they love and support. Life insurance can be an effective and convenient gift to give. There are various methods for making life insurance
Charitable Giving Through Life Insurance Read More »
Throughout the month of September we have been discussing with a lot of our customers the topic of life insurance and why it is such an important thing to do for your family. If you are thinking about a policy, that is great! But maybe you are wondering what kind and how much you need?
Term versus Whole Life Insurance Policies Read More »
If you have a life insurance policy, you may think you are set. You may ask, why should I reevaluate my policy? Just like any insurance coverage, when your life changes, your insurances should change with it. What has changed in your life since you purchased your life insurance policy? Have you had another baby
Reevaluate Your Life Insurance Coverage Read More »
Wouldn’t it be nice if the easy button was real? Do something once and never do it again. Homeowner’s insurance is not one of those things that can be done once and never done again. The reality is, as your life changes your home insurance needs to change as well. Those who establish their home
When is a good time to reevaluate your homeowner’s insurance? Read More »