Insights
Plain English about an industry that avoids it
How agents actually get paid. When loyalty starts costing you. What a claim really takes. We publish the things the industry mumbles — because informed clients make better decisions, and better decisions stay with us.
Transparency & Buying Advice
How Insurance Agents Get Paid (7 min) — commissions, captive vs independent compensation, and why the model shapes the advice you get. Captive vs Independent Insurance Agent (6 min). When to Switch Home Insurance (6 min) — loyalty quietly costs money; the renewal signals that say it’s time to re-shop.
Coverage Gaps & Habits
The Annual Insurance Review (6 min) — coverage drifts away from your life a little each year. Water Backup Coverage (5 min) — the $40-a-year endorsement that prevents the five-figure basement claim standard policies exclude.
Claims
How to File an Insurance Claim (7 min) — what to document, who to call, and how to keep a claim moving, step by step.
Tools & Reference
The 2-Minute Risk Self-Assessment — ten questions and an honest read of where the gaps likely are. The Insurance Glossary — 25+ terms explained the way we’d explain them across a kitchen table. Case studies from the specialty desk.
The Midwest Commercial Insurance Market Brief
Quarterly: rate movement, carrier appetite, and capacity notes for Midwest commercial classes — drawn from what our 25+ markets are actually quoting, not national headlines. First issue in preparation; request it through the contact page.