Replacement Cost vs Actual Cash Value (ACV)
Check your policies to see if your claims will be settled on a Replacement Cost basis or an Actual Cash Value (ACV) basis. ACV claims settlements will typically have depreciation withheld AS WELL AS...
View ArticleCarriers promises to Save you Money$$$$$$$$$$$$$$.
I've seen a lot of things in my 20 years as an Insurance Professional in the State of Missouri. The one thing I have learned is that people don't read enough. Customers don't read enough to know whats...
View Article20th Anniversary
LOOK for our new Billboard on Interstate 70 East and West bound lanes, in Wright City. Mary and I would like to thank everyone for their continued support. We take your loyalty seriously. We may not...
View ArticleReplacement Cost & the Consumer
I want to be candid in this discussion. Frankly I'm tired of seeing Agents lowering the Dwelling Coverage for less than the REPLACEMENT COST. I had a discussion yesterday with a 38 year veteran of...
View ArticleInsurance Professionals
I'm constantly amazed at Agent/Brokers who claim to be professionals in the Insurance industry. Yet when you go up aginst them in competition, you have to point out there uncanny ability to...
View ArticleGROWING Agents and VOLUME 2012
2012 is going to be a Great year for ISU Sine Agency. We are looking to add 5 producers by 2014. We are an Independent Insurance Agency located in Wright City,Mo. We are associated with ISU San...
View ArticleCommercials and some little unknown Facts behind the scenes.
It's an amazing and interesting time we live in. The age of micro-wave cooking, video games and push button gadgets, cars that parallel park themselves, cars that tell you your tires are low on air....
View ArticleEquine Liability / Horse Liability / Farm Liability
As I counsel my equine / farm risk about the liability they face. I still get the naysayer's, well if you are a horse owner, and think your homeowners covers you. You are WRONG!!!! The legal defense...
View ArticleSimple Explanation of Higher Homeowner Rates
Study:Homeowners Claims Costs and Rising as Both Frequency and Severity Increase Increases in claim severity and, more recently, frequency are responsible for a 7.4 percent annualized rate of increase...
View ArticleWelcome Ron A. Badolato
ISU SINE GROUP wants to welcome Ron to our team. Ron comes to us with 20+ years experience in all aspects of Commercial, and Personal Lines Insurance. Ron brings with him his experience, and knowledge...
View ArticleWorkers Compensation Minimum Mod
Workers Compensation InsuranceWorkers Compensation ISU Sine Group are experts in Workers Compensation. The licensed agents are all certified in Workers Compensation having earned the prestigous CWCA...
View ArticleWELCOME NATALIE
We all want to welcome Natalie Schantz to our team of dedicated professionals. Natalie has a bright future with us in the insurance industry. Natalie is scheduled for the prestigious Hartford School of...
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