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August 13, 2020
D Ward Insurance

What is the Difference Between Commercial Auto and Personal Auto?

Most drivers with a personal vehicle carry personal auto insurance in order to protect their assets in case of an accident. Not all vehicles are personal vehicles, however, and personal auto insurance isn’t the only option. Commercial vehicles are vehicles owned or used by a business for work purposes. For example, if you are a […]
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November 5, 2018
D Ward Insurance

Why Customers Choose D. Ward Insurance

  A D. Ward Insurance, we are committed to building long-lasting relationships by providing more carriers for more choices and this is the #1 reason why customers choose D. Ward Insurance Agency.  D. Ward Insurance Agency vs. Captive Agents Here are reasons why you would rather choose D. Ward agency which is the best Independent Insurance Agency  […]
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November 5, 2018
D Ward Insurance

Flood Vehicles – What to Avoid!

  The Facts on Flooded Vehicles is from the National Insurance Crime Bureau: Like other natural disasters, floods can create enormous damage to properties and vehicles. Flood vehicles offer a tempting opportunity for criminals to defraud unsuspecting consumers. By definition, a flood vehicle has been completely or partially submerged in water to the extent that […]
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January 16, 2018
D Ward Insurance

Does My Personal Auto Policy Cover Rental Cars?

We frequently get calls from customers wondering if their rental vehicle is covered by their auto insurance policy while on vacation. If you have an Auto-Owners personal auto policy, it has specific coverage provisions that address whether an accident in a rental vehicle is covered. Let’s look at common example: You take a vacation to […]
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January 9, 2018
D Ward Insurance

How Does Remodeling My House Affect My Insurance?

  Envision your house transformed into a welcoming space with fresh updates and extra room for the things you enjoy. With a remodeling project you can open up walls, add lighting, or upgrade the flooring to create a stylish look and improve the efficiency of your home. Renovating your home can be exciting and overwhelming, […]
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January 2, 2018
D Ward Insurance

Safeguard Your Long-Term Care

When deciding how you’d like to customize your long-term care (LTC) policy, you will most likely face a decision on whether to have an inflation rider or forgo any inflation protection. Before deciding what is best for you, it is best to understand the benefits offered by a compound inflation rider. Purchasing an inflation rider […]
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December 19, 2017
D Ward Insurance

Protect Your Home From Winter Weather

Our local meteorologist is predicting single-digit temperatures in the upcoming weeks. It is important to us that we help keep our customers informed on ways they can protect their homes from the damage that can be caused from extreme winter weather.   According to “Today’s Homeowner” website, here are a few tips you can follow in order […]
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September 15, 2017
D Ward Insurance

Preparing for a Storm

In regard to the recent storms from Hurricane Irma, let’s all make sure the things we can control are in order, such as if the contents of our homes were destroyed. Now is the perfect time to take stock of what we own and document it, so in case a storm does destroy our property, […]
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August 11, 2017
D Ward Insurance

Road Rage – How to Avoid it, How to Protect Yourself

Aggressive driving is a major concern of the American public and a real threat to the safety of all road users. In a survey conducted by the AAA Foundation, nearly 9 in 10 respondents said they believed aggressive drivers were a “somewhat” or “very serious” threat to their personal safety. This same survey found that […]
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August 7, 2017
D Ward Insurance

Personal Articles Floaters – Extra Protection for Your Extra Special Possessions

Do you know how much your Homeowners policy will pay in case you lose your guns, jewelry, or fine art collection? Generally, the special limits included in your Homeowners policy are as follows: Fine Arts $1,500 Furs and Jewelry $1,000 (Theft Limit) Guns $2,500 (Theft Limit) Silverware, Goldware, Pewterware $5,000 (Theft Limit) Stamps $1,000 Trading […]
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