Is That 15 Minutes Worth It Or Not?

by brennagimler1 | Jul 10, 2014 | Farrell Backlund, FBinsure, Insurance, Insurance Cost

Have you stopped to think about how much that 15 minute policy is really worth?  Here’s some food for thought. It may take just 15 minutes but it doesn’t answer your questions.  Nope that is another call that will take you well over 15 minutes to get answered and may...

How Long Should You Keep Collision Coverage?

by John Tessier | Jun 16, 2014 | Auto Insurance, Car Accidents, Claims, Farrell Backlund, Helpful Tips, Insurance

When it comes to collision coverage on the auto policy, the guideline many people go by is to delete collision after the vehicle is ten years old. Many believe that after the ten-year mark, many vehicles are not worth enough to warrant keeping the expensive collision...

Giving Back Beyond The Holidays

by John Tessier | Feb 14, 2014 | Farrell Backlund, FB cares, Holidays, Miscellaneous

Charitable giving is something many of us do around the holidays, but as the holidays get further and further in the rearview mirror, we often get caught up in our everyday lives and the giving slows to a trickle for the remainder of the year until the next holiday...

Other Structures Coverage: You Need It, The Question Is How Much Is Enough?

by John Tessier | Jan 15, 2014 | Farrell Backlund, Helpful Tips, Home Maintenance, Homeowners Insurance, Insurance

I find it interesting how Other Structures coverage on the Homeowner’s policy is often overlooked by those who need it, but becomes a point of contention for those who feel they do not. I field a lot of calls by people who wish to remove the coverage because they have...

Personal Umbrella Policies: What They Are And Why You Need One

by John Tessier | Nov 8, 2013 | Auto Insurance, Car Accidents, Claims, Farrell Backlund, Homeowners Insurance, Insurance

Most personal insurance policies provide liability coverage to protect you if you are sued as a result of an injury you are responsible for, whether it is bodily injury or personal injury. Lawsuits can stem from auto accidents, boating accidents, slip and falls,...

TO File A Claim Or Not To File A Claim, That Is The Question

by John Tessier | Oct 25, 2013 | Claims, Discounts, Farrell Backlund, Homeowners Insurance, Insurance

There are many types of coverage offered on a typical homeowner’s policy, but when is it a good idea to file a claim vs. footing the bill yourself for any damage?  Many carriers offer loss free credits, or provide a better pricing tier for those with no claims...