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First Independent - Descamps Insurance Agency Blog

View the latest blog posts from First Independent - Descamps Insurance Agency.

You have holes in your drywall. There are areas where it seems something chewed its way into your home. Or, your home’s wiring is not working properly due to some type of animal. It’s frustrating when this happens. Will home insurance help cover the damage a pest like this can cause? READ MORE >>

There are many businesses that need workers' compensation insurance. These policies protect against financial loss due to employee injuries. In a retail setting, it is perhaps one of the most valuable purchases you can make. View this form of business insurance as a critical investment. READ MORE >>

As you get older, you may not see life insurance as a necessary investment. Yet, imagine what may happen after you die. Do your loved ones stand to inherit a lot of debt? Perhaps they will pay out of pocket for your end-of-life expenses. It is possible today that you will live for 30 or more years. READ MORE >>

A car is approaching, and suddenly a deer runs out in front of your vehicle. You try to stop, hit the deer, and feel the car smash into a railing. The deer gets up and walks away. Your car suffers significant damage. Will auto insurance cover the losses?  Whether you have car insurance coverage depends on the type of policy you have. READ MORE >>

Making your home fit your family is always so important. It is not always easy to do, though. Sometimes you need to expand it. When adding a home addition, recognize that you are not just adding space to your home. You are also adding value. As a result, it is critical that you update your home insurance policy to match the new value of your home. READ MORE >>

Commercial auto insurance almost always includes liability coverage. Insurance companies adjust coverage to match the risks your vehicles and business face. Having enough is critical. Liability insurance provides coverage when you or your driver damages another car, person, or property. READ MORE >>

Like all insurance policies, your life insurance rate depends on risks. Those who have higher risks of sudden deaths almost always pay more for their coverage. A lot of different factors might impact that risk and your costs. What are some of these? Can you control any of these factors? READ MORE >>

Driving a vehicle safely when high winds occur is never easy to do. It is best to pull over when storms pick up or when risky situations exist. When you cannot avoid it, or the storm suddenly occurs, knowing how to react is critical. How can you be a safe driver behind the wheel when winds pick up? READ MORE >>

Adding a teen driver to an auto policy can be a challenging time. Know these stats before adding your teen and talk to our experts.     Source: Safeco READ MORE >>

Businesses have a lot of their most important assets stored on their property. Yet, no property is immune to sudden, unexpected damage. One of the most devastating of such occurrences is a fire. Smoke and flames, not to mention water used in dousing, can easily devastate a business. READ MORE >>

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