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

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

Tips for Filing a Home Insurance Claim

filing an insurance claim

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

Beat the Summer Heat with These Tips

someone walking in the shade during summer

Stay cool this season with these tips. The summer days are upon us, and the temperatures are edging higher and higher. Although there’s nothing quite like enjoying the sunshine on a summer’s day, it’s important to be mindful of the heat. With summer comes the risk of heat stroke or heat exhaustion. Avoid accident and injury by staying cool this summer with these tips.  Hydrate This is the most important thing that you can do to beat heat exhaustion and heat stroke. If you need to, you Read More

Who Needs to Be Listed on Your Auto Insurance Policy?

someone selecting a car insurance policy

Does everyone in your household need to be listed on your car insurance?  When you are completing a car insurance application, you may be surprised when asked to list everyone in your household. This question trips a lot of people up because they don’t know whether to list everyone or just those that are going to be driving the vehicle. To help, we’ll narrow down who needs to be on your policy. To put it in a broad sense, anyone living in your house who can drive should be listed on your Read More