When it comes to protecting what matters most, insurance can feel overwhelming. There are so many options, terms, and fine print to navigate. That’s where I find the value of working with an expert who truly has your best interests at heart. In this post, I want to share why independent insurance brokers are a vital resource for anyone looking for unbiased insurance advice . Whether you’re securing coverage for your family, your home, or your business, understanding their rol

When it comes to protecting your vehicle, understanding your insurance options can feel overwhelming. But it doesn’t have to be complicated. I’m here to walk you through the essentials of full car insurance coverage, focusing on two key types: comprehensive and collision insurance. These coverages are designed to give you peace of mind, whether you’re driving around town or parked safely in your driveway. Let’s dive into what these coverages mean, why they matter, and how to

When it comes to protecting yourself and your loved ones from the unexpected, understanding workplace injury insurance is essential. Accidents happen, and when they do, having the right coverage can make all the difference. I want to walk you through the basics of this important insurance, so you feel confident and prepared. Why Workplace Injury Insurance Matters Workplace injury insurance is designed to cover medical expenses and lost wages if you get hurt on the job. It’s n

When it comes to protecting what matters most, having the right coverage for your personal belongings is essential. Whether you own a cozy home, rent an apartment, or run a small business, understanding how to safeguard your valuables can save you from unexpected financial loss. In this guide, I’ll walk you through everything you need to know about insurance for personal belongings, helping you make informed decisions with confidence. Why Insurance for Personal Belongings Mat

Flooding can feel overwhelming. When water rises and spreads where it shouldn’t, it disrupts lives, damages property, and creates...

Ridesharing apps present a risk of being underinsured between app activation and ride requests, as personal car insurance often doesn't cover this period, and rideshare company coverage is minimal. Uber and Lyft provide limited coverage while waiting for a request, with full coverage starting only after a ride is accepted. Personal insurers may not cover accidents during ridesharing and could cancel policies if commercial use is not disclosed. Food delivery drivers also face

What is an independent agency? As independent agents, we represent our clients instead of a particular insurance company. We can...

The sun shines brightly over the Green Valley Ranch Golf Club, casting warm rays on the lush fairways and challenging greens....

Sorry, but I sure love puns, so I hope you all do too. Today's post is about renter's insurance. You may be thinking, "Why should I even...

Bob Hart(left) played in the Arvada Apex Golf Tournament at Indian Tree Golf Club on September 13. It looks like grass skirts were...

Thank you to Pine Creek Football Booster for letting us sponsor a hole at your golf tournament fundraiser. (Ryan Harris-left, Jacob...

Paying with plastic is super-convenient, and it may even come with rewards like cash back or airline miles. But there’s a trade off: the...

Self-improvement, or at least the desire for it, is a shared American hobby. It’s why so many of us—some estimates say more than 40% of...

There has been a lot happening in the markets and economies around the world this year, and especially during this 4th quarter. Equity...

If I remember correctly just last month I sent out Bob’s Corner for September and here we are in December. This is the month for giving...

The holidays make for one of the busiest travel seasons in the U.S. as Americans trek to destinations all over the country to be home for...

First of all, I want to thank all our clients for allowing The Bob Hart Agency Inc to earn your trust with your insurance needs. I...

With winter quickly approaching it won’t be too long before the freezing weather and snow are here. As the primary months when consumers...

Amazon has teamed up with Travelers insurance company and they are giving away free Amazon Echo Dots for new and existing clients. They...

Wow, we are in October already, can you believe it? This month, I am writing one of the most important letters I have ever written. A few...