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7 Tips To Help You Save on Auto Insurance

Posted on July 28th, 2021 by admin

If you drive a car, you have car insurance. Or, you should. Auto insurance is not only required by law, but it is necessary for responsible driving. Auto insurance protects drivers during everyday events that can occur on the road, such as car accidents and injuries. If you total your car or injure someone in a collision, paying out of pocket for damages can bankrupt you. Auto insurance is invaluable for drivers.  Still, auto insurance can get expensive. If you feel like you have paid too much for insurance in the past, you might not realize that there are several…Read More

What Types of Insurance Do Attorneys Need?

Posted on July 23rd, 2021 by admin

Attorneys are typically well-versed in insurance meant to protect clients. However, lawyers themselves need insurance to protect them from many issues that can arise while practicing law. Lawyers are subject to malpractice lawsuits just like doctors. In this case, lawyers need professional liability insurance to protect them should a professional issue emerge with a client. Professional liability insurance covers professionals who provide expert service in their fields. Lawyers fall into this category because they provide crucial aid to clients whom they serve. However, just like all humans, law professionals sometimes make mistakes. In some instances, a client may suffer due…Read More

Smart Devices To Help Protect Your Home While You’re Away

Posted on July 23rd, 2021 by admin

In this technologically advanced era that we live in, coupled with the ever-rising cases of insecurity throughout the world, the need for home security has become a necessity for most people to feel safe and secure in their homes.  Home security and protection are no longer reserved for the affluent and wealthy within our society but available for everyone. Let’s look at a few devices that exist today and review how they can improve home security and protection. Some of these devices may be employed to automatically prevent damage from water, fire, or even appliances when you are away from…Read More

4 First Time Home Buyers Insurance Tips

Posted on July 22nd, 2021 by admin

Buying a home for the first time is exciting, but it can also be stressful and overwhelming. Your worries don’t end with choosing the right house in the best neighborhood. You also have to pay realtor fees, home inspectors, property appraisers, and also purchase homeowners insurance for the very first time. Fortunately, there are plenty of helpful tips for first-time homebuyers in the market for homeowners’ insurance.  You may wonder if homeowners insurance is even necessary. There is no question: homeowners insurance is an absolute necessity for home buyers. While it may not be required by law, your lender will…Read More

Property Insurance: What is Coinsurance?

Posted on May 25th, 2021 by admin

Coinsurance is included in many insurance policies, including health, directors and officers, homeowners, commercial, and property, the last of which we are covering here. While there may be a “coinsurance” clause in each of these types of insurance policy, the use and effect may be unique to each.  When it comes to property insurance, sometimes, business owners set up their new property insurance policy without reading the fine print. When buying or building a new business, insurance is one of the most important aspects that some may try to save money on. For this reason, insurers have implemented a provision…Read More

7 Driving Distractions and How To Drive Smarter

Posted on April 27th, 2021 by admin

Each day, around eight individuals in the U.S. are killed in accidents where a distracted driver was involved, according to the Centers for Disease Control and Prevention (CDC). Distracted driving occurs when you’re driving while performing another activity that causes you to take your attention away from driving. It can increase your risk of a vehicle accident or crash. So, what can be considered a distraction to you while you are driving?  7 Distractions While Driving Things that take your attention away from your driving can be distractions that may cause a collision. Seven examples of common distractions on the…Read More

Is Your Home Vacant During a Renovation? Make Sure You’re Insured Properly!

Posted on March 17th, 2021 by admin

It makes sense to move out of your home while renovations are underway. After all, who wants to live with daily chaos, noise, and privacy intrusions major renovations deliver? But before you make a move out of your home, it’s a good idea to check with your insurance provider to see if you need to adjust your policy.  You do not want to fall victim to “vacant home” exclusions that are often standard in homeowners insurance policies. How Does a Vacant Home Impact the Insurance Needs of Homeowners? Being home most of the time means that someone is looking after…Read More

Private Flood Insurance vs. NFIP (National Flood Insurance Program)

Posted on March 17th, 2021 by admin

Did you know that as little as one inch of water inside your home can cause roughly $27,000 in damage? Without flood insurance, repairing that damage is entirely out of your pockets. Most homeowners insurance policies specifically exclude flood damage from protection. As a result, you must purchase flood insurance through the National Flood Insurance Program (NFIP) or through a private insurance company to protect your home and possessions.  Ultimately, through either program, flood insurance offers protection for your home and personal belongings if they are damaged in a qualifying flood event. The better you understand the differences between the…Read More

Umbrella Insurance: What Is It and Do You Need It?

Posted on February 18th, 2021 by admin

If you’re like most people, you already have multiple insurance policies. Some of the policies you have may include things like: Home insuranceAuto insuranceMedical insuranceLife insuranceWatercraft or RV insurance But do you have umbrella insurance? So, What is Umbrella Insurance? Here’s a hint. It’s not about umbrellas at all. In this instance, the term refers to what it does. Umbrella insurance provides additional protection when it’s raining on you, financially speaking, at a rate that outstrips your current liability insurance protection. In other words, umbrella insurance is a specialized type of liability insurance that handles the overflow when your existing…Read More

8 Risks a Standard Homeowners Policy Doesn’t Cover

Posted on February 17th, 2021 by admin

Far too many people purchase a standard homeowners insurance policy and believe that is all they need. Unfortunately, that leaves them unprotected from more than a few everyday risks, like the eight listed below. Work with your independent insurance agent when choosing your home insurance to ensure you have protection from these risks and others that are important to you. 1. Service Lines You have all kinds of service lines running into your home from the street. In many cities, you may have buried electric lines, gas lines, water lines, sewer lines, and more. Without specific service line insurance, you…Read More

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