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Answers to FAQ about home insurance. Homeowners insurance is designed to protect your home and belongings from damage and disaster. While your mortgage provider may require you to obtain such a policy, many homeowners are unaware of what home insurance does and doesn’t cover. To help, we’ve rounded up some answers to common questions homeowners ask about coverage. Does homeowners insurance cover fire damage? A standard home insurance policy will cover your belongings and property from Read More
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
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
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
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
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
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
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
Can you get cheaper car insurance if you own a property? Today, every motorist is looking for new ways to save money on their car insurance. Fortunately, you don’t always have to cut down on coverage to save a few pennies every month. If you’re a homeowner, you can save money on your auto insurance by bundling policies together. Bundled policies help you to protect your assets while saving money! If you take out two or more insurance policies from the same insurer, you can choose to bundle Read More
What you need to know to get your home insurance claim filed smoothly. When the worst happens to your home, you want to act quickly to get everything back in place ASAP. Part of repairing and replacing your property is to file a home insurance claim if the damage was caused by a listed peril. To ensure that filing your claim goes smoothly, here are a few things you should know. Prevent additional damage Whether you had a break-in or there was a kitchen fire, the potential for additional Read More
