Logue Insurance Group

08/14/2026

Many homeowners are surprised when the insured value of their home is different from its current market value. Market value is influenced by factors such as location, demand, school districts, and the value of the land. Your home’s insured value is generally based on the estimated cost to rebuild the structure using current labor, materials, and construction expenses. Because rebuilding costs can increase over time, reviewing your dwelling coverage regularly can help make sure your policy keeps pace with changes in construction costs and improvements made to your home.

Jason Logue-Insurance Professional
215-392-6868 (Office)
[email protected]

Market value is what a buyer might pay if you sold your home today. Replacement cost is the amount it would take to rebuild your home as it was before a covered loss.

08/05/2026

When reviewing your homeowners insurance, it is important to understand how your belongings may be valued after a covered loss. Replacement cost coverage generally helps pay to replace damaged items with new ones of similar kind and quality, while actual cash value typically accounts for depreciation. For example, an older television may have cost $1,000 when purchased, but its actual cash value could be much lower today. Knowing which method your policy uses can help you better understand how much you may receive after a claim and whether your current coverage provides the protection you expect.

Jason Logue-Insurance Professional
215-392-6868 (Office)
[email protected]

Understand the difference between replacement cost value and actual cash value (RCV vs. ACV) on home and auto insurance policies.

06/05/2026

When shopping for life insurance, two common options are term life insurance and permanent life insurance. Term life insurance provides coverage for a specific period, such as 10, 20, or 30 years, and is often chosen by people who want protection during major financial responsibility years, like raising children or paying off a mortgage. Permanent life insurance is designed to last for your lifetime as long as the policy stays active, and some policies may include a cash value component. The right choice depends on your needs, budget, age, family situation, and financial goals.

Jason Logue-Insurance Professional
215-392-6868 (Office)
[email protected]

Can't decide between term and whole life insurance? Understand what each means, what they offer, and which best fits the needs of you and your family.

06/03/2026

Life insurance is one of the most important ways to help protect the people who depend on you financially. If something unexpected were to happen, a life insurance policy could help your loved ones cover major expenses such as mortgage payments, rent, childcare, college costs, final expenses, and everyday bills. It can also help replace lost income and give your family time to adjust without immediately facing financial pressure. Even if you are young and healthy, life insurance can be worth considering because rates are often more affordable when purchased earlier.

Jason Logue-Insurance Professional
215-392-6868 (Office)
[email protected]

Use life insurance to help support you throughout your lifetime and beyond.

05/13/2026

If you own a business, general liability insurance is one of the most important coverages to understand. It helps protect your business if someone claims your company caused bodily injury, property damage, or certain personal injuries, such as advertising-related claims. For example, if a customer slips and falls at your location or your business accidentally damages someone else’s property, general liability coverage may help with legal costs, settlements, or medical expenses depending on the situation and policy. Even small businesses can face expensive claims, which is why this coverage is often considered a foundation of a strong business insurance plan.

Jason Logue-Insurance Professional
215-392-6868 (Office)
[email protected]

Secure .gov websites use HTTPS A lock ( ) or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.

04/29/2026

While homeowners insurance provides strong protection, there are important gaps that many people overlook. Standard policies usually do not cover flood damage, earthquakes, or issues caused by lack of maintenance, such as wear and tear.

For example, damage from heavy rain entering your home due to flooding is typically not covered without a separate flood insurance policy. Similarly, sewer backups or sump pump failures may require additional endorsements. Knowing what is excluded from your policy is just as important as knowing what is included, as it allows you to address potential risks before they become costly problems.

Jason Logue-Insurance Professional
215-392-6868 (Office)
[email protected]

Homeowners insurance policies contain exclusions that specifically state the types of risk not covered. We cover some common exclusions.

04/27/2026

Many homeowners assume their insurance policy covers everything related to their home, but that is not always the case. A standard homeowners insurance policy is designed to protect your home’s structure, your personal belongings, and provide liability coverage if someone is injured on your property.

It typically covers risks such as fire, theft, vandalism, and certain types of water damage. It can also help pay for temporary living expenses if your home becomes uninhabitable due to a covered loss. Understanding these core coverages is the first step in making sure your home and finances are properly protected.

Jason Logue-Insurance Professional
215-392-6868 (Office)
[email protected]

Homeowners insurance may help pay to repair or replace your home and belongings if they are damaged by certain perils, such as fire or theft.

04/17/2026

JELLYBEAN CONTEST WINNERS ANNOUNCED!

Thank you to everyone who participated in our Easter Jellybean Guessing Contest. We had a great response and loved seeing all of your guesses! There were a total of 215 Jellybeans.

Congratulations to our two winners:
🏆 John Hutchins (Guessed 215, BOOM!)
🏆 Karen Fox

You each win a $50 Amazon Gift Card!

We appreciate everyone who took the time to enter and be part of the fun. Keep an eye out for more giveaways, tips, and ways to protect what matters most.

— Logue Insurance Group
[email protected]
215-392-6868

04/17/2026

One of the most important factors in life insurance is timing. The earlier you secure a policy, the more options you typically have and the lower your premiums are likely to be. Waiting can lead to higher costs or even limited eligibility if health conditions develop over time.

Beyond pricing, having coverage in place early provides peace of mind knowing that your loved ones are protected no matter what happens. Life insurance is not just a financial product, it is a long-term strategy to safeguard your family’s future. Taking action sooner rather than later allows you to lock in affordability while ensuring that those who rely on you are taken care of.

Jason Logue-Insurance Professional
215-392-6868 (Office)
[email protected]

Aflac provides supplemental insurance for individuals and groups to help pay benefits major medical doesn't cover.

04/15/2026

A major reason people avoid life insurance is the belief that it will strain their budget. The reality is that many policies are designed to be flexible and affordable, with options that can fit a wide range of financial situations. Term life insurance, for example, often provides substantial coverage at a relatively low monthly cost, especially for individuals in good health.

When compared to everyday expenses, life insurance is often much more manageable than expected. More importantly, the value it provides can far outweigh the cost. It offers financial protection that can help cover major obligations such as mortgage payments, daily living expenses, education costs, and more. Understanding the true cost versus the potential benefit helps put into perspective just how valuable this coverage can be.

Jason Logue-Insurance Professional
215-392-6868 (Office)
[email protected]

Find out the average costs of life insurance by age. Then learn about the factors that affect your life insurance rate and how to keep yours down.