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Paul Kern Insurance Blog

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Here are some reason why as you can see from actual claims which were paid by RLI on a personal umbrella.  These are just a few examples of what could happen and how your assets could be at risk without adequate coverage.  Many of our companies offer this coverage, so call today to get a personalized no obligation quote. READ MORE >>

It's really all about protecting yourself financially.     1)  If you're in an accident or your car is stolen, it costs money, often a lot of money,  or to fix or replace it. 2)  If you or any passengers are injured in an accident, medical costs can be extremely expensive. READ MORE >>

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. There are several different coverage's which make up the policy. READ MORE >>

There are essentially two kinds of health insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage. Fee-for-Service READ MORE >>

There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):     · Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.   READ MORE >>

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. READ MORE >>

The difference between actual cash value and replacement cost   As an auto or home policyholder, many of us forgo reading the fine print when it comes to our policies. We rely on our independent agent to help us choose the right coverage based on our needs. READ MORE >>

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