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Heritage Insurance Group is proud to announce agency principal, Mark Lowry is an Endorsed Local Provider (ELP) by Dave Ramsey. Insurance professionals who become an ELP are carefully selected independent insurance agents who recommend the same coverages Dave does, and can provide you with choices and options to meet your needs and budget.

Here are three tips when it comes to purchasing insurance.

 - Homeowners insurance is an important purchase you can't afford to go without but make sure you have the coverage and deductible best suited for you. Look at increasing your deductible and determine if the savings is worth the extra risk you are taking.

 - Liability insurance is one of the best buys available. It doesn't cost much so you should look at carrying at least $500,000 minimum. Get quotes for higher limits.

 - Replacement Cost coverage is key when it comes to the loss settlement of your claim. Make sure you have replacement cost coverage on both your home and your personal property. Without it you may suffer depreciation when it comes time to settling the claim and it will be deducted from your claim check.

"I am very pleased to be selected to be a Dave Ramsey ELP. Dave has provided financial advice and assistance to millions of individuals through his books, programs and radio show," shared Lowry. "I highly recommend everyone to see what resources he has that would benefit your family at www.daveramsey.com."

Auto and home insurance rates and coverages vary a lot from company to company and from individual to individual. Talk to Mark Lowry at Heritage Insurance Group and get a quote for policies to fit your needs and budget. For assistance call 1-800-217-6734 or email mark@heritageinsurancegroup.net.


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