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Cowart Insurance Agency Blog

All You Ever Wanted to Know About Insurance

What Business Owners Should Know About Property Valuation

Commercial property insurance is designed to help protect the physical assets a business relies on every day. However, coverage is only as effective as the property values used when the policy is written and reviewed....

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Flooding Isn’t Just a Coastal Problem

Flooding Can Happen Anywhere - When people think of floods, they often picture hurricanes or coastal surges. Images of overflowing shorelines and storm surges tend to dominate the conversation. But in reality, flooding...

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Event Season is Here—Is Your Liability Covered?

A Season Full of Celebrations - May brings a full calendar of events-from graduations and weddings to community gatherings and celebrations. The warmer weather and longer days encourage people to come together, creating...

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How Moving Impacts Your Personal Insurance

Moving to a new home comes with a long list of tasks, and insurance updates are often overlooked in the process. However, a change in location, property type, vehicles, and daily routines can all affect your coverage...

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How Your Roof’s Condition Impacts Your Homeowners Insurance

Your roof is the most important structural element of your home when it comes to risk management. It isn’t just a layer of shingles; it is a high-performance shield that preserves the integrity of everything underneath...

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Does Your Car Insurance Cover Your Pet? What to Know Before Your Next Road Trip

We treat our pets like family, so it’s only natural that they join us for errands, weekend hikes, and long road trips. But have you ever stopped to wonder what happens if the unthinkable occurs? If you are involved in a...

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How Lease Agreements Impact Your Insurance Responsibilities

Leasing a commercial space is a common step for many businesses, but the terms of a lease often include more than just rent and duration. Lease agreements frequently outline specific insurance responsibilities that both...

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Factors That Impact Your Car’s Resale Value

A vehicle is one of the larger purchases most people make, and its value changes over time. While some depreciation is expected, certain factors can influence how much your car is worth when it comes time to sell or...

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How to Document Business Property for Insurance Purposes

Many businesses rely on equipment, inventory, furniture, and technology to operate day to day. While these assets are essential, they are often not well documented, which can cause difficulties if the business...

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Is Your Insurance Stuck in the Past? Why Life Changes Demand a Policy Refresh

Life moves fast. Between career climbs, cross-country moves, and growing families, your world looks a lot different today than it did twelve months ago. But if you haven’t looked at your insurance policies since your...

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Hidden Savings: 6 Insurance Discounts Hiding in Plain Sight

Is your insurance premium creeping up every year? You aren't alone. With the rising cost of living in 2026, many drivers and homeowners are looking for ways to trim their monthly bills. The good news? You might already...

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Why Now Is the Best Time to Update Your Home Inventory

February is an excellent time to revisit your home inventory-a detailed list of your belongings that helps ensure accurate insurance protection. If you’ve never created one, or your list is outdated, now is the perfect...

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Romantic and Practical Ways Insurance Shows Love

When people think of love, they usually picture flowers, chocolates, and heartfelt notes. But real love-the lasting, steady kind-often looks a lot more practical. Insurance may not be glamorous, but it’s one of the most...

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How to Extend the Life of Your HVAC System

Your HVAC system is one of the hardest working systems in your home. It runs through freezing winters, humid summers, and everything in between. Because it operates year round, small maintenance habits can make a major...

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Leasing vs Buying Business Vehicles

For many small and mid-size businesses, vehicles are not optional, they are essential tools. Whether you operate a service company, delivery business, construction firm, or sales organization, the decision to lease or...

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What to Do if You Hit a Deer While Driving

Hitting a deer can be a startling and dangerous experience, especially if it happens unexpectedly on a quiet road or at high speed. Unfortunately, these incidents are fairly common, particularly in areas with high...

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Starting Fresh: How Renters Coverage Protects Your New Chapter

The turn of the year often sparks major life changes: a move to a new city, heading off to college, or finally settling into a different apartment after the holidays. It’s an exciting time, but amidst the packing and...

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Small Business Insurance: New Year, New Risks – Why Your Policy Needs a January Review

Why Small Business Owners Should Review Their Commercial Insurance Coverage - The start of a new calendar year is more than just a fresh page-it’s a critical moment for small business owners to assess and adjust their...

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Managing Equipment: Repair, Replace, or Insure?

For most businesses, equipment is essential to daily operations. Whether it's a commercial oven, HVAC system, delivery vehicle, or a vital piece of manufacturing machinery, unexpected failure can grind productivity to a...

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How to Childproof Your Home: Safety Tips for New Parents

Bringing a new baby home is exciting, but it also means taking a fresh look at your living space through the eyes of a curious child. As babies grow and become more mobile, they naturally want to explore their...

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