Does Car Insurance Go Down at 21?

teen driving car

Does auto insurance get cheaper when you’re over 21?   Most people know that drivers in their teenage years and early 20s  pay some of the highest premiums for auto insurance. As we get older, however, you may find that car insurance gradually lowers to more affordable premiums. To help you understand more about car insurance premium costs, read on. Generally, car insurance premiums decrease with age, dropping once you turn 25. The theory behind this is that you become a more experienced Read More

Top Benefits of Securing Renters Insurance

apartment flats

Reasons why you should secure renters insurance coverage.  Renters insurance is a coverage that many renters overlook. Yet, it provides a reliable and comprehensive way to protect your property. The benefits of renters insurance are vast and wide, which is why we thought we would round up some top advantages of securing renters coverage. It protects your belongings Many renters are under the mistaken assumption that a landlord’s insurance policy will protect them in case of a flood or Read More

If You Get an Out-of-State Speeding Ticket, Will It Affect Your Auto Insurance Rate?

policeman holding speeding test

How receiving a speeding ticket in another state can impact your car insurance premium.  When you’re visiting an area and aren’t entirely familiar with the roads, you may make some mistakes. Sometimes it’s merging into the wrong lane. Sometimes it’s going over the signposted speed limit without realizing. Getting a ticket while out of state can post more questions and hassle than a traffic ticket received in your home state. You may find, however, that your out-of-state ticket affects your auto Read More

How to Prepare Your Home for Incoming Storms

storm ahead sign

Safeguard your home from storms ahead.  Now that summer has come to an end, inclement weather looms ahead. With fall comes rain, wind, and possible severe storms. To safeguard your home from storms, take a look at these useful tips. Prepare an emergency kit In a severe storm where the power goes out and you need to stay inside the house, you want to have essential items on hand. Stock up on flashlights, batteries, a first aid kit, bottled drinking water, any necessary medication, and your Read More

Does Your Business Need Flood Insurance?

business flood

Determine whether your business would benefit from flood insurance coverage. Flooding is a natural event that many of us would rather not think about. After all, it is a mass-destruction event that brings with it large cleanup and repair costs. What we often forget is that everywhere is capable of flooding – even your business. Most standard commercial insurance policies do not cover flood damage, which is why it could be wise to secure a separate flood insurance policy. What does flood Read More

Why You May Need Life Insurance After Retirement

retired couple on a beach

The next steps to take when your life insurance policy expires. All good things come to an end. This is especially true for life insurance policies. If you’ve recently come to the end of your term life insurance policy – congratulations! You’ve outlived your policy and you’re still around to tell the tale. What you may know is that term life insurance doesn’t always “expire” at the end of the term period. Instead, the low rate you’ve been paying expires. The term period is set when you Read More

What is Covered by Fire Insurance?

a house on fire

Understand the types of coverage provided by fire insurance.  Home fires are no joke. All it takes is a matter of seconds for a small flame to engulf a whole house and destroy everything it touches. Even if you’re careful with candles, take extra care in the kitchen, and routinely check electrical wiring, accidents happen. That is why it is so important to understand how fire insurance coverage can help protect your home and belongings. Fire coverage is included in most standard homeowners Read More