Unfortunately, rates rose in 2022 almost across the board. According to Insurance Journal, inflation and weather-related issues contributed to an 8.1% increase in commercial premiums through Q3 2022. The good news is that as independent agents, my team can shop the market…

First, a look back at 2022; then, what you can expect in 2023. A Look Back to 2022 Unfortunately, just like everything else, home and auto premiums were on the rise in 2022.  A Look Ahead to 2023 While the…

A significant part of our job is ensuring you have the information you need to make the decisions that are right for you and your auto coverage. That said, I wanted to explain coverage limits and the factors you should…

Is getting life insurance on your “to-do” list? It will not only protect your family, but it’s fairly easy to check off the to-do list! That said, here’s what you need to know about purchasing life insurance in 2023: You…

I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property…

I was recently asked this question by one of our Mosaic Insurance Group clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of…

Why do my auto insurance rates keep going up even though my car is getting older?  At Mosaic Insurance Group, many of our clients ask this question so I would like to address it from a couple of angles. First…