The Haas Agency

A new study from the Employee Benefits Research Institute shows that without long term care insurance the ability to cover the costs in your retirement years will be difficult at best. The earlier you face the issue of planning for long term care the better.  Start prior to your retirement.  A general rule of thumb [...]

Here are 5 key questions to ask yourself! In their advertising, most insurance companies emphasize the cost of insurance as the standard in selecting carriers and coverage. The implication, of course, is that the lower the cost, the better the insurance. We call this the Insurance Commodity Trap℠ It’s a trap because it fails to [...]

As part of our series on what it costs not to have an agent I have an example of someone who had no idea that their liability coverage was so low and the effect it could have, they were completely focused on the great premium they were paying. I was contacted by an existing insured [...]

Several months ago we warned that with the change in economic conditions in Connecticut there would be more people driving without auto insurance coverage. Well, our fears are being realized. Several people have called recently, after an accident, saying that they were hit by someone who had no insurance. The recourse in a situation like [...]

In future posts  I will be writing about people who have paid the cost of not   having an insurance agent. Everyone believes that having an insurance agent is more expensive than doing it yourself with one of the 800# companies. As long as the coverage is correct that may be true, however, there is a [...]

I have been receiving very positive feedback recently from meetings I have held with customers because we have been focusing on today’s economic challenges. These meetings have concentrated on making sure our customers are making the most of what they are already doing. In today’s environment I believe focus and confidence are essential. What Happens [...]

Please take precautions during the spring thaw to route water away from the foundation of your house. Water in the basement can be a significant springtime challenge for many homeowners. Damage caused by ground water entering your house is not covered by home owners insurance. In some cases, flood insurance covers damage caused by ground [...]

When you can get  an online quote or contact a call center 24/7 why go through the process of working with The Haas Agency?  All insurance agencies will profess to have great customer service, look out for your interests and be your advocate in case of a claim. What makes The Haas Agency different? It [...]

Now is a great time to take a comprehensive look at your retirement plan. Sure. Look at the balances in your retirment accounts. But let us encourage you to broaden your perspective a little. In addition to considering your future income, housing and health care needs, please consider your end of life options for paying [...]

One of the most important insurance policies you can purchase is Disability Insurance. It is the policy that will replace your income if you are unable to work due to an injury or illness. Most people have the option of adding disability coverage to their benefit package at work. People can usually purchase up to [...]