FHJ – Boat Insurance April 2014

Has the length of this past winter left you dreaming of hot summer days sitting on the bay or lake in your boat? As you get ready for the season, plan to take a few minutes to review the level of protection offered by your boat insurance policy. A boat policy in many...

FHJ – Insurance Discounts February 2014

My article last month focused on how insurance companies determine the basic rates charged with a focus on Homeowner rates. In that article, I noted that once base rates are established, the actual rate is customized to you. That is particularly true with auto...

FHJ – Insurance Rating January 2014

Insurance; It’s a Gamble Did you ever wonder how an insurance company comes up with the rates they charge? Often times it’s hard to imagine that there could be any true basis for the rates. If you’re like most people, you probably have a strong gut feeling that the...