Insurance Resources

Why choose Community Insurance Advisors?

A true partner in protecting your home and business—we are committed to correcting the broken practices of the insurance industry. We provide a superior agency experience—delivering customized programs with honesty and integrity.

Community Insurance Advisors: A different way to do insurance.

Insurance myths blog
Top Insurance Myths

I am always surprised about some of the misconceptions there are about my industry, so this month, I thought I…

Read Blog

Frequently Asked Questions

If you have any other questions, please give us a call: 972-758-9300

Our Home Buyers Checklist

What should you look for in a good homeowner’s policy?

Get an “All-Risk” policy—NOT a “Named Perils” policy.

An all-risk policy covers everything except what is specifically excluded in the policy. Under an all-risk policy, the burden is on the insurance company to prove that the peril causing the damage is not excluded; otherwise, coverage applies.

A Named Perils policy covers only what is specifically noted in the policy. When coverage is written on a named peril basis, the burden is on the insured to prove that one of the named perils caused the loss.

Get all applicable water endorsements, including:

Coverage for slab leak

Water back-up

Seepage, sudden/accidental leaks

Flood—in some cases you may want flood coverage even if you are not in a flood zone

Make sure you have Replacement Cost coverage—NOT ACV coverage

“Actual Cash Value”—a depreciated settlement for coverage that usually gives you around 30 cents on the dollar

Comprehensive Loss Underwriting Exchange (CLUE) Report

Insurance companies use CLUE reports to learn about your claims history before they will finalize an offer to write your insurance. As an informed consumer, you should take advantage of this tool to understand whether a house or car you are planning to buy has had any claims in the last five years.  
We are happy to run a CLUE report for your home and auto.

Data Breach Cost Calculator

This easy-to-use tool from NetDiligence can help you determine the potential cost of a data breach. Answer a few questions to determine the financial impact a data breach could have on your company.

No need to create an account or login—just enter your numbers and press “calculate”.

We Are an Independent Insurance Agency

We write with a lot of different companies.

We help educate our clients to decide which company is the best fit for them.

We keep our clients competitive when their policies renew.

We help walk our clients through the process of filing a claim.

Scroll to Top