May 24, 2021
AgencyDoes Credit Affect Renters Insurance?
Moving into a new apartment can be nerve wracking. It’s notoriously expensive, and there are a lot of things to straighten out before you are approved for a lease. One of the several factors that affect your likelihood of getting an apartment is your credit. What some people don’t know is that credit also affects […]
April 20, 2021
AgencyWhat Should I Do if My Car is Stolen?
The idea of someone stealing your car is worrying at best. It is your form of transportation to work, school, etc. and you often have important items inside your vehicle such as your wallet and proof of insurance. If your vehicle is stolen, it is crucial to know what to do and what steps to […]
April 14, 2021
AgencyUpdate Your Home Insurance for Major Home Improvements
If you are making any changes to your home, it is important to make sure your home insurance policy reflects that change. Home insurance is calculated partially based on your home’s total replacement cost value. This total replacement cost value is how much it would cost to completely rebuild your home after a disaster. When […]
June 24, 2020
AgencyWho is Covered Under Car Insurance After an Accident?
Accidents are scary at best. They can shake your tense of comfort, not to mention leading to injuries for you and your passengers. Car insurance is designed to take on some of the financial burden of a car accident so you can focus on getting back on your feet. It’s important, then, to make sure […]
May 12, 2020
AgencyDoes Commercial Property Insurance Cover Foundations?
Commercial property insurance provides coverage for business property from a range of dangers, such as fire, wind, hail, theft and vandalism. As with most policies, however, commercial property insurance has its limits. There are some incidents and items that are not covered—including a building’s foundation. A building’s foundation and suffer a lot of damage due […]
March 25, 2020
AgencyWhy is Car Insurance so Expensive?
On average, car insurance costs $1,457 a year in the U.S, which is about $121 a month. New drivers may think that car insurance is simply expensive no matter what, but this isn’t the case. There are many factors that go into calculating the cost of your car insurance. In general, insurance companies analyze the […]
March 25, 2020
AgencyWho is Not Eligible for a Business Owners Policy?
When you’re looking for commercial insurance for your business, you’ll come across insurance agencies offering several different packages. These packages are designed to bundle commercial insurance for a cheaper rate than purchasing individual policies. One of these packages is a business owners policy, or a BOP. A BOP combines property coverage and general liability. This […]
February 26, 2020
AgencyDid Your Home Insurance Premiums Go Up? We Can Lower Them.
It’s no secret that homeowners insurance rates can go up right beneath your nose without warning. If your insurance rates are higher than you’d like them to be, Pan American Insurance can help you get a lower price. Why Do Home Insurance Rates Go Up? There are many reasons that an insurance agency might raise […]
February 26, 2020
AgencyCommon General Liability Claims
If you’re wondering whether your business really needs general liability insurance, it’s important to look at the common claims that arise from general liability issues. If you don’t have this coverage, your business—or you—will be paying out of pocket for expensive medical bills, property damage and possible legal fees if an accident occurs. Some of […]
January 27, 2020
AgencyWhat is Not Covered in Car Insurance?
Car insurance provides a lot of coverage for nearly every type of vehicle, but even full coverage doesn’t cover everything. When people talk about full coverage car insurance, they’re not referring to a specific type of insurance. Instead, they mean full coverage as in the highest amount of coverage a car can have. Full coverage […]