Best Practices to Keep Your Identity Safe

identity theft concept

Many millions of Americans continue to be affected by identity theft every year. Unfortunately, it’s not something we tend to think about until it happens to us and disrupts our entire lives. When it comes to identity theft, being prepared, and taking precautions is the best way to prevent this nightmare. For some top practices on how to keep your identity safe from now on, read on. Shred paper documents. Whenever you receive a paper bill or statement and are not going to store it away Read More

What is High-Risk Homeowners Insurance?

interior of a kitchen

Not every homeowner or home are created equally. While some people and properties need a standard home insurance policy, others require more specialist coverage. High-risk homeowners insurance directly addresses home and homeowners who have a higher risk associated with them.   The Home The home’s location, history, and condition are all considered when deciding whether or not a home is considered high-risk. Location – If the property is located in a high-risk area, such as Read More

What You Might Be Getting Wrong About Your Renters Insurance

interior of apartment

Whether you are renting an apartment, a duplex or a house, it’s wise to obtain a renters insurance policy. Not only are rental homes just as likely to sustain fire and theft losses and their owned counterparts, but tenants should protect their belongings and finances, too. A renters insurance can cover you in many ways. Here's what you might be getting wrong about renters insurance coverage.   Your landlord is not responsible for your belongings. Even though you pay your landlord Read More

How Often Should You Shop Around for Car Insurance?

car insurance folder

Shopping for car insurance may not be at the top of the list of fun things to do. It may often fall to the bottom of your to-do list, but you really should get into the habit of doing it more often. While it may be tempting to sit tight with your current provider, you may be able to save hundreds by switching.   Keep in mind that your insurance company will take into account your gender, age, driving history, vehicle type, and more when determining your insurance premiums. Even so, Read More

How to Prevent Summer Risks to Your House

a BBQ on a deck

Warm summer days, lighter evenings, and quality family time together – summer is truly a wonderful time of year. Yet, homeowners often throw caution to the wind and forget about some of the more common dangers that happen during this season. To protect your property and family, take steps to mitigate some of the more common summer risks.   Stay safe at the grill Be sure to keep your grill at least ten feet away from your house and avoid placing it in a garage, breezeway, or Read More

What to Know Before Canceling Business Insurance

a business woman

As a business owner, you may have been hit hard from COVID-19, and may be looking for ways to save money. As a result, you’re tempted to cancel your business insurance coverage until your company is back up and running and turning a higher profit. While it may sound like a good solution, the reality is that you could end up paying more in the long run. Before you cancel your commercial insurance, here is what you should know.   You won’t get a refund. Most insurance policies have a Read More

What is Car Depreciation and How to Avoid It

a toy car with coins on top of it

Prevent car depreciation to get the most resell value for your vehicle.   We all know that new cars lose some of their value the second they’re driven off the car dealership lot. Over time, cars continue to depreciate, which means they lose their value. When buying a new car or looking to get the most out of your current car, you should know what depreciation is and how you can minimize its effects.   What is car depreciation? Simply put, car depreciation is the difference Read More

Reasons Why Location Influences Home Insurance Rates

a neighborhood

How your home’s location impacts your premium.   The price you pay for your home insurance is made up of different factors. Insurers will look at your credit history, construction of your home, coverage you need, and many more variables. When an insurer is determining your insurance rate, they pay particular attention to your home’s location. Here’s why.   Crime If your home is located in an area with high crime rates, you will pay more for insurance because there is a higher Read More

Is Term Life Insurance Right for Your Family?

family member's feet sticking out of the bed

Deciding on whether term life insurance is right for you.   When you are in the market for life insurance, you will soon find out that there are two main types of coverage to choose from: whole and term. Whole life insurance is designed to cover you for your entire life, while term is coverage that is set for a certain amount of time. To help you understand the basics of term life insurance, read on.   What is it? Term life insurance is designated for a certain time period or Read More

Productive Morning Routines of Successful People

a woman waking up in bed

Top Productive Morning Routines to Implement   A good morning routine can set the productivity tone for the rest of the day. While some days you don’t hit the snooze button, find time to cook breakfast, and even exercise before starting work, there are other days where you aren’t so coherent. With all that said, is there a right way to have a productive morning routine? Are there more things you can do to start your day off on the right foot? Take a look at some of these top morning Read More