It may be simple to buy insurance, but that doesnt mean the decisions one makes when taking out a policy dont require some amount of thought and research. Rush to take out the first cheap policy you find and you may end up with an insurance portfolio filled with gaps, inefficient policies and more self-insurance risk than you can afford. Here are six tips to help ensure that you get exactly what you need without learning the hard way that you needed it. Watch your deductibles. Many insurance ...

People have many different types of hobbies and one of the most popular is the hobby of collecting. Some people collect items with an eye toward growing the monetary value of their collection. Others collect because they love a certain object and dont even realize it when the value of their collection begins to grow to impressive numbers. Whether you collect coins, baseball cards, ceramic figurines, or books its important to keep an eye not just on the sentimental value of your collection but al...

Home insurance is an absolute necessity. Without it, your home and belongings are at the mercy of mother nature, accidental damages and other people. Still, you shouldn’t have to pay an arm and a leg to get coverage. There are three simple things you can do to get discounts from your Battle Creek home insurance provider and two of them are absolutely free! The first money-saving  trick happens at the moment you are getting your policy written. Ask your agent about multiple policy dis...

A number of factors dictate how much you pay for your Battle Creek home insurance policy, and one of them is your history of making claims. If you’re a regular claimant, insurance providers will see you as a significant risk, and they will offset that risk with higher premiums. In some cases, they will withdraw coverage if they believe the risk you and your home pose is simply too great. However, there are some simple actions you can take to secure and maintain your property in order to ke...

Germs and bacteria can flourish in your home, completely out of sight. Knowing about germy hotspots allows you to thoroughly clean those yucky areas so you and your family can live healthier. Check out these five areas that you’ll want to clean right away: 1.       Light switches and door knobs: Every day, you flick on the lights and open doors, leaving behind whatever germs were carried on your hands. Wipe these areas down with a disinfectant at least once a...

It is summer, so that means it is thunderstorm season.  Are your electronic devices protected? The most common claims this time of year are for electronic equipment damaged by lightning. One direct hit can send thousands of volts through your home or business, wiping out anything that is plugged into an outlet – from machinery and refrigerators to plasma televisions and computers. Fortunately, there is a simple, low-cost device you can buy to create a buffer between unwanted voltage ...

Home insurance provides a variety of protections for property owners. One type of protection is for stolen property. When a person enters your space and takes something, you may have the ability to file a claim for that lost item. In every situation like this, it’s important to know what to do to prove your loss and to get help with it. Here’s what you can expect. What to Do as Soon as Possible When a theft occurs, your first reaction may be to clean up the mess and to figure out w...

It would seem your garage door is part of your home. But, if it breaks, will your home insurance policy cover the damage? In this article, we outline everything you need to know about how home insurance works if your garage door needs repairs or replacement. Determining If Your Home Insurance Policy Covers Garage Door Damage Whether it’s a tree branch that blows into your garage door or a teen driver who accidentally puts the car in reverse, garage door acci...