---
title: Cowart Insurance Agency Blog Posts from 2021
description: Blog posts published by Cowart Insurance Agency in 2021
---

# Past Articles

## Published in 2021

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[**Why a basic Homeowners policy isn’t always enough** — Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage and prevents you from paying too much out of pocket in case of a claim. To be…](/blog/2021/why-a-basic-homeowners-policy-isn-t-always-enough)

[**Business Owners Need a Property Maintenance Plan** — As we begin to enjoy the warm summer months, there’s one thing we can be sure of: Mother Nature will continue to do what she does best. Severe weather is something that we should both expect and be prepared to face. — Knowing stronger storms have the potential to cause damage and interrupt your…](/blog/2021/business-owners-need-a-property-maintenance-plan)

[**Why You Need Service Line Coverage** — Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about them when service is interrupted. And when that happens, you may be surprised by…](/blog/2021/why-you-need-service-line-coverage)

[**Own a home? Here are two policy options you should know about** — If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two common situations you may be unaware of — and the affordable options that can…](/blog/2021/own-a-home-here-are-two-policy-options-you-should-know-about)

[**Porch Safety: Should You Leave the Lights On?** — It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this time of year, when the days are short? — Those answers can differ depending on a…](/blog/2021/porch-safety-should-you-leave-the-lights-on)

[**Make Life Insurance Work For You!** — Normally, the most important benefit of a life insurance policy is the death benefit. But why stop there when your life insurance policy can do so much more? A full understanding of your policy will help it become more than just a death benefit. — Your death benefit amount is determined through…](/blog/2021/make-life-insurance-work-for-you)

[**Underwritten vs. Instant-Issue Life Insurance** — A life insurance policy can mean different things to different people: financial protection for loved ones, end-of-life expenses, a legacy to leave behind, or even a discount on other insurance. Most providers offer both underwritten and instant-issue products; knowing the difference can help you…](/blog/2021/underwritten-vs-instant-issue-life-insurance)

[**Frequently Asked Personal Umbrella Questions** — You insure your home and your automobiles, but have you ever considered purchasing a personal umbrella policy as a way to protect your assets and future earnings? — A personal umbrella policy, offers additional limits of liability – the maximum amount your insurance company will cover – and is a…](/blog/2021/frequently-asked-personal-umbrella-questions)

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- [1](/blog/2021.md)
- [2](/blog/2021.md/page-2)
- [3](/blog/2021.md/page-3)

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