Many homeowners assume their insurance premiums are fixed costs—they pay them without question, believing there’s little they can do. But what if you’re mistaken? Small, strategic adjustments can lead to significant savings—sometimes thousands of dollars. If you’re ready to take…
Owning rental property is an investment in both income and independence. But if you’re relying on a basic, off-the-shelf insurance policy, you could be risking more than you realize. Generic coverage might seem convenient—but when real risks show up, it…
Planning a weekend in your RV or a day on the water should be about relaxation—not stress. But many recreational vehicle owners unknowingly carry policies that fall short when it matters most. A single accident, theft, or weather event can…
Starting college is exciting—and a little overwhelming. Between lectures, roommates, and late-night pizza runs, protecting your stuff probably isn’t top of mind. But here’s the thing: renters insurance can be the unsung hero of your college experience. No one expects…
You’re not imagining it—home insurance is getting more expensive. Premiums are rising across the country thanks to inflation, higher rebuilding costs, and more frequent storms. But here’s what many insurance companies don’t tell you: just because you’re paying more doesn’t…
Could You Afford to Replace Your Car After an Accident? Car accidents happen when you least expect them. One moment, you’re driving to work or picking up groceries; the next, you’re dealing with vehicle damage, medical bills, and insurance paperwork.…
Don’t Let Hidden Leaks Drain Your Wallet Water damage is one of the most expensive and stressful problems homeowners face. It can start with something as small as a minor leak—until one day, you’re dealing with warped floors, mold, or…
In the aftermath of the significant wind and hailstorms of 2023, the landscape of roof insurance policies is evolving. At Hamsher Insurance, we understand how these changes can impact homeowners. Insurance carriers are now implementing stricter guidelines concerning the age,…
For many, our homes are not just living spaces but repositories of treasures that reflect our journeys, passions, and milestones. However, a standard homeowners insurance policy may not fully protect these cherished items. That’s where the added security of a…
