In the insurance industry, market cycles play a pivotal role in shaping pricing, coverage availability, and underwriting standards. Understanding these cycles is essential for insurance professionals, businesses, and consumers. Let’s review the different insurance market cycles, focusing on the two…
Why Life Insurance Life insurance is there to help your loved ones with financial needs if you aren’t there anymore. Consider your mortgage and other debts, how much income would need to be replaced, money to cover a funeral, and…
Valentines Day, anniversaries, and other special occasions often end with precious gifts such as jewelry or other valuables. While the gift is a token of love or appreciation, it is often times a valuable investment. Making sure you have these…
Punxsutawney Phil, seer of seers, prognosticator of prognosticators may be able to accurately predict the future, but we need a little help. Striving for Perfection We love to help our clients protect their valuables, assets, vehicles, and homes. We do…
We value the trust our clients place in us and we extend that trust to our security practices of their data and information. We perform an annual security audit of our information security practices and there is always one issue…
For many people, celebrating our country’s Independence Day includes setting off fireworks, on or around July 4th. While most of us enjoy a spectacular fireworks display, remember that fireworks are explosives best left in the hands of professionals. From an…
Addressing the Security Needs of Guns in Churches Updated – March, 2019 The information in this publication is intended to help ministry leaders better understand issues of weapons for church security and assist them in developing a weapons or crisis…
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 Dumbaugh Insurance 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 them…
Why do my auto insurance rates keep going up even though my car is getting older? At Dumbaugh Insurance, many of our clients ask this question so I would like to address it from a couple of angles. First things…