Do I Need to Take a Home Inventory?

inside of apartment

Why taking a home inventory is important.   Homeowners, can you list everything you own from memory? While most people will remember their computers, TV, and brand new blender, what about the holiday china in the garage? Or every pair of jeans? All of this is regarded as personal property for insurance purposes. If your home is destroyed by a listed peril, such as a fire or another disaster, having a list of possessions makes filing a claim easier. Why do I need a home inventory? Simply Read More

How Do Seatbelt Tickets Impact Your Auto Insurance?

person clicking seatbelt in car

Got a seatbelt ticket? Understand how it could impact your car insurance premium.   When you see those blue lights flashing in your rear-view mirror, you’re automatically filled with dread. Your second thought may be the cost of the ticket and the expenses that follow – such as your car insurance going up. It’s important to keep in mind that different types of tickets can affect your insurance rates in different ways, including seatbelt tickets. A seatbelt ticket is given to a driver when Read More

Healthy Halloween Snacks to Feast On!

an autumnal table with pumpkins

Try these healthy Halloween alternatives. Halloween is right around the corner! What many parents (and dentists!) find most frightening about this night is the amount of candy and sugar that kids receive. Even though this night is centered around treats, it’s best to ensure that your children don’t overload on artificial sugar. Halloween doesn’t have to be all about sweets and chocolate. Instead, try making these fun and healthy Halloween snacks. Pumpkin Clementines Simply peel the Read More

Your Homeowners Insurance Questions – Answered

question marks on paper

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

What to Do If You’re in an Accident But Didn’t Get the Other Driver’s Information?

back of car rear-ended

In an accident but didn’t get insurance information – what now?  Car accidents can be dizzying and stressful at the best of times. Sometimes, we get into accidents and completely forget to take down the other driver’s insurance information. Perhaps you were flustered or shocked. Maybe they didn’t want to divulge anything. It could have even been a hit-and-run. Regardless, the responsibility now lies with you. Fortunately, there are some steps you can take to make the auto insurance claims Read More

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