The right homeowner’s insurance is a must for anyone who wants maximum protection for their home and assets. When selecting your own policy, we recommend finding one that covers all of the problems you might run into throughout your time owning the home. With that in mind, let’s jump into the five most common homeowner’s insurance claims. The Big Three The following three claim categories account for around 90% of all homeowner’s insurance claims. Wind and Hail Damage According to the … [Read more...]
3 Common Life Insurance Mistakes
The purpose of life insurance is to help our loved ones secure a sound financial future even after we pass away. Not all life insurance policies are created equally, however, and there are a few common mistakes you should be sure to avoid when selecting your own policy. Listing Your Child as a Beneficiary A life insurance policy can offer your children many benefits in the event that you pass away, but listing them as a beneficiary may delay those benefits. Insurance companies simply cannot … [Read more...]
Our Insurance Related Advice for Colder Weather
Peak winter weather is here! Snowy days and freezing cold nights are inconveniences that we all grapple with during this time of year, but these inconveniences can sometimes pose genuine threats to both ourselves and our belongings. How can you keep your assets safe as we continue to move through the season? Double Check Your Policies It’s easy for things to start going wrong for both cars and homes when the weather is consistently below freezing. As such, it's definitely worth taking the time … [Read more...]
3 Things to Consider When Shopping for Business Insurance
Starting a business involves a lot of responsibilities. In addition to leading your team and building your network, you also have the responsibility of making sure you, your team and your assets are protected under small business insurance. With so many types of small business insurance policies to choose from, it can be challenging to determine which is the best for you. Here are three tips you can use to make the best choice possible! Only Trust Reputable Insurers Business insurance isn’t … [Read more...]
Am I Eligible for Workers Compensation?
On the surface, workers’ compensation seems like a straightforward solution: if an employee is injured on the job, worker’s compensation will protect the business and the employee from potentially devastating injury costs. While this is exactly right, there are some grey areas surrounding worker’s compensation that you should be aware of. Employer Must Carry Business Insurance If you are injured on the job, you can only receive workers’ compensation benefits if your employer’s insurance … [Read more...]
Why Does My Car Insurance Premium Go Up for No Reason?
If you are a cautious driver with no speeding tickets and a clean driving record, it may come as a surprise to see your insurance premium rising. However, there are a few reasons why the jump may have taken place, and there’s also a chance you can do something about it! Why Do Auto Insurance Rates Rise? Moving Moving to a different state will naturally lead to auto insurance changes, but many drivers are surprised to hear that even a move to a different zip code can have repercussions. … [Read more...]
Make Your Home Safer in 4 Easy Steps
Safety should be the top priority of any homeowner. Naturally, you want to keep yourself, your loved ones and your personal belongings safe from harm. If you take extra steps to ensure your home is safe, you may be eligible for discounted homeowners’ insurance as well. How can you make your home safer? Exterior Lighting A home without exterior lighting makes the perfect target for a break-in. Installing exterior lighting is worth the investment because of the peace of mind that it brings. If a … [Read more...]
4 Tips for Shopping for Home Insurance for the First Time
Buying a home for the first time is an exciting life accomplishment. Ultimately, your home purchase is likely to be one of the largest purchases you make in your lifetime. As such, you should make sure to choose the right insurance to protect your investment. In this blog, we offer tips for purchasing home insurance for the first time! Be Sure to Shop by Home Type What type of home are you buying? A historic home built in the early 1900’s? A brand-new build? A condo? Regardless of where you … [Read more...]
Do You Have the Best Life Insurance Policy?
Purchasing life insurance is an important financial decision. The right one will protect your loved one from financial hardship when you’ve passed. You may have a life insurance policy but are wondering if it’s enough. Here’s what you need to consider when deciding on the best life insurance policy for you. Policy Length Needed You have two options when it comes to policy lengths: term life or lifetime. Term life policies provide life insurance for a specific time period. They’re great for … [Read more...]
What Is an Umbrella Insurance Policy?
Why do you have insurance? If you’re like most people, the answer is to protect your home, your assets and your family. One of the most common types of additional insurance policies is known as umbrella insurance. These policies go above the other policies that you have to give you additional liability coverage. What exactly is umbrella insurance, and do you need it? Personal Umbrella Insurance 101 A personal umbrella policy helps to guard you against financially devastating liability claims … [Read more...]
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