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 Battle Creek commercial auto insurance policy may be pricey for a company to maintain, but it is also essential for any business that has company-owned vehicles. Commercial auto insurance policies are usually put in place by a company to help protect themselves from financial liability should one of the company’s vehicles or employees be involved in an accident when using the business-owned vehicles. Despite the high cost of a commercial auto insurance policy, there are many ways to help...

Most insurance companies are pretty good at covering your automobile; however, insurance companies excel at separating you from your money. Television airwaves are filled with Battle Creek auto insurance offers providing “Better Car Replacement” and new car replacement. It’s important for consumers to know, that purchasing these policies, significantly add to insurance costs. Better Car Insurance Only one insurance company is currently offering “Better Car Replacement&r...

Whether a vehicle is for business or personal use, specific needs for Battle Creek auto insurance will change based on how much the vehicle is driven. Businesses that are limiting the use of a company vehicle, or drivers who are parking a household vehicle in the garage, can take advantage of some easy insurance changes to lower the cost of keeping a less active car or truck insured. One of the first things that drivers should think about with garaged or retired vehicles is the possibility of c...

Is it possible to pay too little for Battle Creek auto insurance? Though getting cheap auto insurance is often a very good thing, it is possible to choose a policy that doesnt provide enough for your needs. The last thing most vehicle owners want to do is to have a policy, they pay into, that cant cover their needs in a claim situation.  Are you paying too much or too little for car insurance? The Average Cost of Auto Insurance According to the National Association of Insurance Commissio...

If you drive, you probably own a car, which means you are required by law in most places to carry auto insurance to prove financial responsibility. You likely are aware of the factors used to calculate your insurance rate: the type of car you drive, your driving record, how often you drive, your age, how long youve been driving and where you live. But did you know that in many places the type of job you do is also one of the criteria used to determine your auto insurance rate? Many people f...

If you dont own a vehicle, and you dont drive vehicles owned by other people, you wont need an Battle Creek auto insurance policy. However, you should protect yourself if you are ever likely to drive someone elses car.  If you ever drive the car of a friend or family member, youre going to need to be insured before you set off out on the road. In such situations you may be insured under the policy of the owner. However, this insurance is likely to provide only minimal liability coverage. I...

Keeping your business going is the number one concern of every business owner. Reducing daily business risks, providing products that customers want at prices that are fair are two major elements to keep your business in the lead.  However, from time to time a business suffers from certain events that cause interruptions for a specific amount of time. These interruptions may cause a business to lose money, and in some cases it may cause damage to their brand. The only way to safeguard ...

Have you ever dreamed of packing your worldly possessions into the car and embarking on a road trip across the great landmass that is the USA? Clark Griswold and his family took to the road in the hit movie "National Lampoons Vacation," and although you may be in search of a less eventful vacation, you can still look forward to an exciting journey of discovery through the land of the free. If youre concerned about your auto insurance coverage in different states, there are a few things you shoul...

You may wonder why insurance companies charge different premiums to different people. Well, a number of factors are considered before an insurer determines how much you should pay to insure your home. Here are 10 factors that have an impact on how much or how little your premium will be. Frequency of Risk Occurrence A good record invites low premiums charged by the insurer. For instance, a homeowner who has filed several claims in the past will be charged higher premiums than a homeowner who h...

The importance of having Battle Creek life insurance simply can’t be overstated. Insuring your life will help your loved ones pay off any outstanding debts if you unexpectedly die. Whether this involves a mortgage or unsecured loans, this fact gives people the peace of mind in knowing that their dependents will be well looked after. Life insurance can also be used to pay funeral costs, as well as leaving the important people in your life a cash sum with which they can rebuild their lives. ...

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...

Driving in the winter is no simple task when the roads ice over, particularly for drivers who are not used to such conditions. The following is a list of tips and tricks to keep your car drivable throughout the cold winter months: ·         Warm your car: Installing a remote car starter helps your morning go a bit faster. Pre-warming your car makes it easier to scrape off ice and makes the interior more comfortable for your commute. Some of these d...

Doctors aren’t just for treating illness; they’re also key to providing preventive services designed to keep you healthy. Because of this, the Affordable Care Act requires that all new health insurance plans offered by private carriers fully cover certain preventive services at no cost to you—that means no copayments or coinsurance. This applies even if you have not yet met your yearly deductible. So long as these preventive services are administered by in-network physicians, t...

Many individuals are overwhelmed by the decisions involved in purchasing life insurance. How much do I buy? When do I buy? How do I buy? But help is available in the form of an independent insurance agent. These professionals are trained to guide you through the process of selecting an appropriate life insurance policy for the needs of your family. And it’s important to do so because approximately 40 percent of Americans admit that they would experience immediate financial trouble if the p...

It’s estimated that over 50 million Americans are obese, which has caused past problems with obtaining health insurance. Obesity can lead to severe health conditions, such as Type 2 Diabetes and poor cardiovascular health. Many insurers do not consider obesity to be an illness, but they do pay for any resulting illnesses, which means that it costs more for an insurer to keep an obese individual as a customer due to the high risk of developing resulting illnesses. In the past, this meant ex...

Safety involves much more than simply locking up at the end of the day. As a business owner, you must provide a safe environment for both employees and guests, along with protecting the premises from criminals. Try these five tips for keeping your business safer: 1.       Train your employees: In the simplest sense, your employees should be thoroughly trained before operating any non-standard equipment or before using any hazardous materials. However, more comprehe...

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...

Allen Harmon Insurance Agent:  Do you own any life insurance? Valued Client: Yes, I have $100,000 through work.  Allen Harmon Insurance Agent: Did you know that you probably don’t own that policy? Usually, life insurance provided at work is owned by the employer, who cancels the coverage when you leave the company.  What happens if you get sick, lose your job, and your life insurance cancels because you aren’t employed anymore? How are you going to replace your life...

The nutrition of your prepared meals doesn’t rely solely on the ingredients you use. The way you cook your food can either boost ingredients’ nutritional value or deplete it. In some cases, heat can break down up to 20 percent of vitamins and other nutrients. In others, heat releases antioxidants and makes them easier for the body to absorb (this applies primarily to carrots, spinach and tomatoes). Let’s take a look at some of the most common cooking methods and how they affect...

How much insurance is enough? It’s a great question, and agents at Allen Harmon Insurance hear it repeatedly from customers.   As agents, we are here to help you secure the coverage you need. To do this, we go through sort of a “checklist” process to understand all aspects of your requirement for coverage. Then we lead you through a process to help you arrive at a decision that is best for you. It is not up to us to decide for you. Independent agents at Allen Harmon...

Even if a business begins in your home, it likely needs insurance of its own. If you think your homeowner’s policy will automatically respond to business-related losses, you better think again! A recent study of entrepreneurial trends revealed that 69 percent of all businesses begin in a personal residence. But when you suffer a loss there, most homeowner’s policies will not automatically respond to reimburse you for items related to your at-home business. For example, if you are ...

It’s no secret that life insurance isnt the most pleasant topic on earth. While most of us blanch when someone mentions it, life insurance really should be at the forefront of every adult’s mind. There are lots of excuses out there about how delaying life insurance is okay, but none of them really hold any water—especially if you have a family. Getting life insurance now is the only responsible thing to do to protect those you leave behind. Of course no one wants to talk ...

There are four important features that come with a car insurance policy that you will want to be aware of. These features are bodily injury coverage, property damage coverage, comprehensive coverage and collision coverage. Bodily injury and property damage coverage, commonly referred to as liability coverage, are required in most states. Comprehensive and collision coverage can be added to your auto policy if you choose. In some cases comprehensive and collision coverage are required ...

All businesses have liability risks, from the air conditioned office complex to the construction worksite. Today’s world is one in which it is very easy to sue businesses for large sums of money over seemingly trivial events. What does this mean? Just one unfortunate moment could possibly bankrupt your small business. Let’s look at three examples. 1.       A web design business has a very busy month and, during those extra-long days, the housekeeping ge...

Your home insurance policy must be designed to fit your individual circumstances. Lifestyle changes like marriage, divorce or retirement can have a significant impact on your needs for adequate insurance. Here are some important questions to discuss with your independent agent in order to make sure you are adapting your home insurance to changes in your lifestyle. Have you gotten married or divorced? The merging of two households can increase your personal property significantly. You should re...

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 ...

Being an expectant parent, you probably have an extremely long list of things you need to do before the arrival of your baby. However, you might need to add just one more item to your to-do list. Now that youre bringing a new life into your world, you are going to need to buy life insurance. Why is it so important? Something Could Happen to Either You or Your Spouse With a baby on the way, the last thing youre probably thinking about is something bad happening to either you or your spouse. But...

For most consumers, saving money on car insurance is a top priority. But how do you know which steps to take to ensure that you’re getting the lowest rates? Here are five ways to save money on your auto insurance. #1: Speak with Your Independent Insurance Agent Every Few Months The easiest way to save money on auto insurance is to speak with your independent insurance agent every few months—such as at a bi-annual or annual renewal. He or she will be able to review your policy to ma...

If you own a mobile catering business, you have a lot of tasks to take care of on a daily basis. One thing that can set your mind at ease is business insurance. We never can tell when the unexpected may happen and if the worst happens, you want to make sure that you have a safeguard in place to take care of your business, your staff and yourself. Whether its bad weather, food poisoning, public liability or theft, you know that your business is protected, and you can focus on other aspects of run...

Most of us dont fret too much over a winter storm. In most cases, it blows through and life is back to normal in a day or two. But in more severe situations, heavy snow, ice or wind can knock down electric lines, leading to a power loss in homes that depend on it for heat. You should know what to do and what not to do in this situation. Have an emergency supply of food, water, flashlights, batteries and medicine. A battery operated radio is also handy for keeping informed a...

Its gotten to the point in winter where you either go crazy from being cooped up indoors or you go out and embrace the weather. You might be headed to the slopes, strapping on some snowshoes, ice skating or just shoveling the driveway, but its a good idea to keep some of these safety tips in mind to stay in good health. Avoid going out by yourself, but if you do, let someone know where you are headed and when you expect to return. Dress for the elements. Warm boots, glove...

So youre a single person living alone. You have no dependents. You certainly dont need life insurance, right? Wrong. The fact of the matter is that life insurance can be beneficial to people who are single and have no children. Life insurance, for those of you who dont know, is typically meant to protect an income stream and provide for those who depend on you if you pass away. You can buy two types of life insurance: term life insurance and whole life insurance. Term life insurance will only ...

If youre going to operate a car, most states require that you have car insurance. In some, the state will even tell you what type and how much insurance you should have. There are two main types of car insurance: liability and comprehensive. In states where you have a choice about whether youre going to have comprehensive insurance or not, its important to understand what each type covers so you can make an informed decision. What Liability Insurance Covers Liability insurance covers damage yo...

Approximately 42 million Americans are classified as independent contractors, freelancers or self-employed. That’s around one in three. By 2020, estimates are that at least half of the population could be working for themselves. There are many reasons why people have turned to this work model, including flexibility and healthcare portability. However, many self-employed individuals are so caught up in the excitement of starting their business and the day-to-day tasks of running it, that th...

Weather-related damage, accidents and injuries on your property are all reasons to file a claim on your homeowner’s insurance. When you file a qualifying claim, your insurance provider presents you with an indemnity check to repair or rebuild your home. Unfortunately, filing claims can affect the rate you pay for your current policy and future policies for home insurance. If you want to keep costs low, the following are three common claims that you can avoid or reduce the impact of the dam...

After plenty of bad publicity for unhealthy food products and their effects on the human body, many Americans are trying to make healthier lifestyle choices. Healthcare professionals and nutritionists are quick to recommend both a healthy diet and an exercise routine. But, some people think they can simply hit the gym extra hard after downing a greasy burger. While it’s perfectly acceptable to treat yourself from time to time, maintaining a healthy diet is more important than you may thi...

When most people think of life insurance, they think about the death benefit. The death benefit provides their beneficiaries with a lump sum payment following the death of the insured. However, whole and universal life insurance policies offer owners features they can benefit from now while they are alive. Cover the Cost of Treatment for Terminal Illnesses After the death benefit, many people may consider the accelerated death benefit (ADB) the next major benefit to having a whole or universal...

When you purchase car insurance, understanding what is included in your policy is very important. Having the right information can help you determine whether or not you have enough coverage to protect you in the event of an accident. The amount of coverage required by law is the bare minimum, and may not include those other protections that go beyond personal injury protection. Here are a few additional protections you may want to ask your agent about. Comprehensive and collision: This pr...

Whether you are delivering pizzas or penguins, it is important to make sure you have adequate insurance coverage. Here are three facts you need to know about deliveries and insurance. #1: Your Personal Auto Insurance Policy May Not Cover Damage to Your Vehicle One of the biggest misconceptions among delivery drivers who use their personal vehicles for work is that their auto insurance policy will cover them if they get into an accident. The truth is that most insurance companies have a special...

What happens when you reach your liability coverage limits on your home insurance policy? You become personally responsible for the balance remaining after a claim has exceeded policy limits. If you are a homeowner, you may be forced to sell in order to satisfy any outstanding amounts you are liable for after insurance pays for a claim. However, if you have an umbrella insurance policy, you can rest at ease with less financial worry. What is an Umbrella Insurance Policy? An umbrella insurance ...

Research indicates that cold weather leads to a higher number of heart attacks. Many theories have been developed to explain why this season causes more heart issues. One is that blood vessels constrict due to the drop in temperature. Another theory is that people are not as active in the winter and when they are active, they overexert themselves. That, combined with the constricted blood vessels, leads to disaster. Shoveling is a perfect example of an activity that occurs in cold, winter w...

The investment in life insurance can provide one of the strongest cornerstones for your familys financial well-being. If you’re wondering if you need to invest in it or what the value would be to your family, consider these five ways life insurance can impact the lives of individuals in the long run. #1: Pay for Final Expenses Perhaps one of the hardest parts of losing someone is realizing there is a large amount of money needed to pay for final expenses. Life insurance can help over bur...

As you get ready to purchase your next car, you may be focused on makes, models, features and monthly loan payments. Yet, you also need to factor in the cost of auto insurance on the new vehicle. Depending on the age and type of vehicle you are purchasing, your car insurance payment may be significantly different than what you are currently paying. For those who want to keep insurance costs low, its important to buy affordably. Should I Loan, Lease or Buy Outright? For those who are considerin...

Business insurance is there as part of your backup plan. It is there to help you to cover the costs associated with any losses you may suffer. Today, it is growing in importance for many reasons, especially in the area of fraud. Take a close look at your company and employees. Realize that any one of these individuals could cost your company millions of dollars if an instance of fraud occurs. With business insurance in place, you know that fraud isn’t as likely to shutter your company. Yet...

Trampolines seem like a lot of fun, and they can be, but they can also be a safety risk. Because they do present a significant amount of risk, it’s important for individuals to take precautions to minimize those risks. However, it’s also important for homeowners to realize there are liability risks involved in these situations as well. If you are planning to purchase a trampoline or you already have one, it pays to contact your home insurance provider to discuss those risks. What ar...

How much do you worry? For many people in today’s ultra-connected and more in-demand community, worry is a daily part of life. You worry about the kids, money, your relationships, your job and much more. Yet, worry does not just make life miserable. It also can impact your health in a variety of ways. Worry creates stress. Stress creates physical limitations on your body and mind. How Does Stress Impact Your Health? Mental stress has a physical outcome. On a daily basis, you may feel mus...

Having a life insurance policy is essential. This type of tool is ideal not just because it works to protect your loved ones if you should die suddenly, but because it gives you control over some of your money after your death. Life insurance should not be something you purchase and forget about, though. Rather, it needs to be something you work to maintain and adjust as time goes on. Most important, you need to be sure that your life insurance policy reflects your current life situation correct...

What is medical payment coverage, and can it help you if youve been hit by a vehicle or if youve hit a person who was walking? Medical payment coverage is a type of auto insurance policy. This type of insurance pays for medical costs after a person is hurt in a car accident. It pays out, generally, no matter who is found to be at fault of the accident. So how can it help you after a bike accident? If you have medical payment coverage and you hit a person who is walking or even bike riding, you ...

A storm comes through and damages your business. You have business insurance to cover the losses. However, it will take some time. During that time, your business will not be operational. And you will likely need to file a claim for business insurance, specifically for business interruption insurance. If you have this type of policy in place, you can rest assured that most of your potential losses will be protected including lost income, help with employee payroll and even help with costs owed t...

Every home insurance policy is different. Generally, policies offer a wide range of coverage for most types of incidents resulting from sudden and unavoidable damage. However, many policies also have exclusions. These are specific terms listed on your policy that exclude or limit protection against some risks. The most common exclusion is flood insurance, which generally is not a part of a home insurance policy, especially in high risk areas. But what does your policy protect from in most cases?...

Halloween is full of festivities, fun, and costumes. Don’t allow the risk of a homeowner’s insurance claim to spoil the fun. Whether you will be hosting a party or welcoming trick-or-treaters, opening your property to the public can leave you vulnerable to insurance claims and lawsuits. Follow these tips to ensure safety and protect your home: 1. Create a Clear Path - Keep the area around your home clear of obstructions so that visitors don’t stumble and injure thems...

While everyone recognizes the vital role of the family’s main wage earner, few people stop to think about the cost of services performed by the stay-at-home spouse. This includes childcare, looking after the home, preparing meals, and many other time-consuming activities, like carpooling, laundry, and grocery shopping, to name a few! What if something happened to the person who handles all those responsibilities? Often the parent who is left behind is unable to provide the same stable hom...

Chronic health conditions are those that last longer than 12 months and require ongoing treatment. Examples of chronic health conditions include diabetes, heart disease and cancer. If you’ve developed a chronic health condition, providing for your family in case you pass away is a top priority. The best way provide for your family after your death is with life insurance. Life insurance can relieve the financial burden on your family. It can help pay off your mortgage, car or other debt. ...

We’ve all seen surveillance videos where someone has driven their car into a building. On video, these crashes may seem like shocking, rare occurrences. However, the fact is that automobiles collide with buildings every day. These collisions can range from minor bumps to massive damage to your car and the building. Quite bluntly, buildings are not the causes of collisions in almost every case. Generally, if a driver collides with a building, then the driver is at fault. The collisio...

Some businesses have to operate during times of snow. These might include medical practices, and electrical or telephone companies that have to address service outages. Other businesses, like ski resorts, rely on snow as their profit-makers. They have profits riding on a snowy season. Operating such a business likely comes with higher risks. Some businesses have to have drivers on the road in winter weather when most people don’t drive. To protect these risks, business insurance is key. ...

The spring home-selling season is quickly approaching. Many people looking for their dream homes will become first-time home buyers. If you anticipate purchasing a home this year, there are a lot of things you have to take care of. This includes getting home insurance, a home inspection, and a host of other things. You also have to get ready to move. Luckily, there is an easy way to take the hassle out of moving so that you can settle into your new home and costly delays. Plan Your Move Thoro...

Health insurance doesn’t guarantee the same prices for every level of care. As you likely know, treatment involves different levels of care based on your need. For example, you may visit your primary care provider for the flu or other common ailments. But, if you suffer from kidney or have a heart conditions, you may need to see a nephrologist or cardiologist. These doctors are specialists who practice in one specific area of medicine. Specialist services have different impacts on your ...

Businesses today face increasing risks of lawsuits and claims. Many companies take significant steps to ensure they have the best employees on the job. They put in place very strict standards. They follow their attorney’s advice in creating training programs. Many even take extra steps to document every disciplinary instance clearly. Yet, discrimination claims still happen. In some cases, your basic business insurance policy is not enough. It may not protect the company from such claims....

Only rarely will someone in Michigan pay nothing for their medical care, even with insurance. Though private health insurance can greatly reduce an individual’s out-of-pocket responsibility for care, it almost never makes health care entirely free. Whenever you go to the doctor or use your health insurance, you can reasonably expect to pay a cost. Based on the care you need and the coverage you have, these costs may vary. 1. Premiums Your premium is the amount you pay your insurance com...

Most people think of life insurance as a safety net for the families of older adults. The truth is adults of every age should get a life insurance policy. People of all ages die every single day. Young adults with life insurance leave something behind for their loved ones. The Low Cost of Life Insurance for Young Adults One of the best reasons to obtain life insurance at a young age is its low cost. Young adults usually pay low premiums for this important form of insurance. Consider the fo...

Investing in auto insurance provides a variety of benefits to owners. If you own a car, you have many types of policies available to you. You can choose from plans that offer minimal coverage to keep costs down. However, most drivers benefit from extended coverage. This includes comprehensive auto insurance. In some cases, these policies protect your belongings in your car, too. Here is an example. Someone breaks into your vehicle. You did what you could by locking it. Nevertheless, they opene...

Employees may claim lost items at work. If they do, who is responsible? Several factors play a role in determining this. The type of incident matters, for example.  This type of situation can be tricky to navigate. State laws differ. Business insurance differs as well. Heres a look at some of the scenarios that may play out. Someone Steals an Employees Belongings One potential claim for businesses has to do with the loss of an employees belongings. For example, an employee may leave a wa...

Heres is a scenario. A person selling items comes onto your property. They slip and fall on your steps. They suffer significant injuries. Who is responsible? The question is a concern because you did not welcome this person onto your property. They did not have permission to enter it. It can seem, then, that you are not responsible for their loss. However, that is usually not the case. The good news is your home insurance is likely to help cover your losses. Premise Liability Home insurance ...

Permanent life insurance offers individuals a variety of benefits. One of the key benefits is a tax-deferred benefit. As with all life insurance policies, this coverage pays a death benefit at the time of a persons death. This does not change. However, it can also provide you with some financial support while you are alive. Work with your life insurance agent and estate planner to take advantage of this feature. Many times, individuals do not realize they have this benefit. What Does Tax-Defe...

Stand back and look at your vehicle. Do you have a number of dents and scratches on it? That is not uncommon, but repairing them can be costly in some cases.  In some situations, auto insurance can cover the damage repair. In other situations, it will not. The type of insurance you have plays a role in this decision. The type of incident that causes them also matters. Here’s what you need to know. Were You in an Accident? If the vehicle has scratches on it, but they are not from a ...

The job of a travel agent is to provide guidance and advice to his or her clients. As a result, these individuals typically work together to solve problems, create plans, and make purchases. All travel agents need to have a solid business insurance to cover all risks they face as a business owner. Because of  the nature of their business, these professionals may need specific coverage. Take a look at common types of business insurance for agents. General Liability Insurance As a travel ag...

Have you suffered a leak in your home’s pipes? Perhaps you did not notice a leak occurred. If it is behind a wall, you may not realize it is there at all. When it becomes obvious, there is usually a significant amount of damage present.  You may be able to file a home insurance claim for this loss. It is not uncommon to do that. However, there are new systems that may be able to reduce risks. A leak detection system is one of those solutions. If you have one, be sure to let your home...

Life insurance provides a safety net to your dependents. These are individuals who depend on you for financial support. If something happened to you, such as a car accident, and you did not make it, what would happen to your family? You may think they would do okay. They would move on. Yet, if you put aside the emotional component, consider the financials. What would actually happen to your loved ones in this situation? It may be hard to realize and think about. Yet, it is critical to understa...

How often do you get behind the wheel of a car? If you have someone living in your home that drives your vehicle, this person may need to be on your policy. Your insurer needs to include current information about anyone who operates your car.  But, sometimes, you may also need to let the car insurance agent know about other drivers. These are people who are occasionally behind the wheel. Nevertheless, they pose risks to your car all the same. What Is an Occasional Driver? Most auto insur...

One of the most-reported general liability insurance claims are slips and falls. A variety of hazards might cause someone to fall and get hurt when visiting your business. You have a responsibility for customer safety. What can you do to reduce trip and fall risks throughout your workplace and customer  areas? Safety must remain one of your first priorities in your business. As fall risks develop, immediately take steps to fix the problem. How Fall Risks Develop People can trip and fall ...

For student drivers just learning how to navigate their vehicle, the risks are high. It is important to have auto insurance for your child as soon as he or she is behind the wheel. This is the best way to safeguard your child should an accident occur. When you add them depends on several things. Most importantly, be sure any vehicle your child drives has ample coverage. Lets investigate this topic a little more closely. Insurance Follows the Car Your son or daughter will need auto insurance. I...

Older Americans might find it challenging to get enough life insurance. However, with the appropriate approach, many can still find coverage. After initial enrollment, opportunities to get more protection might still arise. How can you expand your options? It may take a extra steps but can prove worthwhile. Understanding Life Insurance Challenges When you carry life insurance, you leave behind a sum of money after your death. It might help survivors get needed cash to cover the void left in th...

Many people purchase used cars. It provides a variety of advantages including cost effectiveness. Yet, getting the right auto insurance for this type of vehicle is important. Your car insurance agent can guide you through the process. However, there are a few key things to know before you choose just any policy. Insure for the Value Select an auto insurance policy that represents the value of the car right now. Used cars do not depreciate as quickly as brand new cars. However, be sure your cov...

Medical payment coverage is one component of a commercial auto insurance policy. You and your drivers should understand what it covers. This feature provides coverage for incidents in which passengers suffer an injury while in your vehicles. Without it, your company may have to pay for these losses out of pocket. That can be very expensive. Here is what you need to know about it. What Does Medical Payment Coverage Include? Medical payment coverage is a valuable asset. Imagine a situation in wh...

Many home insurance policies cover acts of violence. As you read through your home insurance documents, you may notice this on your policy. An act of violence is a type of peril. Every insurance policy lists the types of perils they cover and those they do not cover. It is important for everyone to know what their policy specifically covers and what it does not. What does this type of coverage mean? When does it apply? What Is an Act of Violence? In some home insurance policies, acts of violen...

Perhaps you heard the saying that age is just a number. When it comes to buying life insurance, that may be the case. People are living longer. Many are looking for ways to create a more extensive estate plan for their loved ones. Still, others are leaving behind a significant amount of debt. Life insurance may be able to help with this. Yet, qualifying for some policies may be difficult. Is it possible to be too old for life insurance? Coverage Sooner Helps Keep Costs Low There is no doub...

Buying auto insurance for your electric vehicle can be a bit different than buying it for a standard car. Some people think electric car insurance is more expensive. It does not have to be. What is important to remember is that this type of insurance needs to be ideal for the type of vehicle you own. Many factors play a role in the costs. Here’s what you need to know before you buy an electric car. Does an Electric Car Cost More? Purchasing an electric car costs more than purchasing a tr...

Workers compensation is a tool to protect you when an employee suffers an injury at work. Most of the time, these are straightforward claims. Most companies do not object to this. Yet, there may be situations when a claim does not seem authentic. It can be hard to prove. What happens if you have to pay for those losses? Most times, your insurance helps you. Here’s a look at this tough situation. What Happened? Perhaps you do not believe an employee actually suffered an injury. Maybe ...

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...

When it comes to life insurance, people often consider it to be on a provider-only basis. In many cases, however, the provider of a household’s income isn’t the only provider. Stay-at-home parents need support, too, and life insurance serves such a purpose. Today, about 10.4 million mothers, and two million fathers, live with children younger than 18. These same parents, reports the Pew Research Center, don’t work outside the home. The number of stay-at-home parents is on the ...

Gap insurance is a type of auto insurance. It provides coverage to you if you have damage to your vehicle in a covered incident that leads to significant loss due to the loan of the car. Making the decision to buy it can seem hard to do. Should you invest in gap coverage? Is it really worth the money? Here’s why it may be vitally important. A Typical Situation According to some reports, the average value of a new vehicle is about $34,000. That’s an incredibly large amount of money...

It is not uncommon for business owners to know how to protect their workers and customers. You know to keep customer spaces clean to avoid slips and falls. You know how important worker safety is. Yet, third parties who enter your property are also at risk. General liability insurance can help cover losses related to these individuals as well. Here is how they can help you. When a Delivery Person Enters Your Property Let’s say your delivery person comes into your stock room to drop off p...

There are plenty of benefits to buying a higher quality roofing product for your home. Impact-resistant roofing is one such option available to many property owners. It helps to minimize the damage to the roof from instances such as hail and falling tree branches. It can help to keep your property safe. Here are some key indications that factor into your home insurance benefits for these types of roof features. Why Does Your Home Insurance Company Care About Your Roofing? Roofs are an importan...

It’s an exciting process to buy life insurance. It may not seem like it at first. However, when you realize that you are taking steps to protect your family, it is well worth it. The key is to make this first purchase of life insurance the right one for your family. It’s best to work closely with your agent to compare policy options and plans. Let’s consider a few key areas here. Whole and Term Life Insurance Options The first step is to consider the type of policy for your n...

When you shop for a home insurance policy, you need to take into consideration the amount it will cost to replace your home totally. You should also consider the unique risks you may face due to your house’s unique qualities, and the monthly insurance premiums that you can pay. Continue reading to learn more about how to buy a home insurance policy. How to Shop for Home Insurance The vast majority of home insurance companies offer easy and fast quotes o...

If you drive for a company like DoorDash, you generally do not need to carry your own commercial auto insurance. But, you should get in touch with your insurance provider in order to work out the details. Some insurers may provide additional coverages for delivery drivers, while others may need to reconsider your rates given how much time you are spending on the road. In any event, letting your insurer know up front will help to ensure that you are, in fact, covered, should someth...

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...

Life insurance can lapse for many reasons. Whether you forget a payment or can’t afford your premium, there are a few ways to respond regardless of the cause. Quick action is the best way to restore your coverage and move forward after a lapse in life insurance.   What Causes Life Insurance to Lapse?  The main reason that a life insurance policy lapses is due to a lack of payment. Since most people pay for their life insurance policies annually, it’s not hard t...

The worst time to find out that your auto insurance is not enough is when you have to make a claim. Heres how to review your auto coverage and determine if the protection you have is adequate.  Nearly every state has a law that requires drivers to carry car insurance. Most states call these financial responsibility laws. These requirements establish the minimum amount of coverage that drivers licensed in the state must carry.  Bodily Injury and Property Damage Liability&nbs...

Safeguarding your home against possible dangers is something every homeowner takes seriously, and for good reason. A home is a safe space for you and your family to relax, learn and grow. One of the most common dangers is a break-in. No one likes the idea of someone forcibly entering their home and taking their belongings, or worse, hurting someone. Home insurance provides compensation for damage or loss of your personal property in case of theft, but many people don’t want to pay too...

Injuries are an unfortunate part of everyday life. Slips, falls and drops are a given when it comes to opening your doors and allowing people into your store. Even though you do your best to make sure the store is as safe as possible, accidents are bound to happen. It’s important to make sure that all employees and managers know what to do in case of an accident. 1. Clear the Area People tend to crowd around when something out of the ordinary happens. Keep others clear of the area,...

When you buy life insurance, you invest in a policy that will offer your loved ones financial help after your death. However, while you remain alive, you will have to pay for your coverage. Still, depending on multiple factors, your precise premium cost will vary. What are some of these influencing factors?   Understanding Life Insurance Premiums   In insurance terms, a policyholder’s risks are the likelihood they have of filing a claim on a policy. When they make...

When shopping for car insurance, you may come across the term “soft fraud.” While this doesn’t happen often, soft fraud can occur and make it difficult for you to get car insurance. Soft fraud occurs when you are dishonest to your insurer about certain factors that could affect your car insurance.    Lying About a Driving Record  Say a driver has a poor record, so they switch insurers and attempt to get another policy. This time, they lie about their...

Like personal auto insurance policies, commercial auto insurance rates are subject to a variety of factors. The premiums for this insurance vary widely depending on your location, the size of your business and more. Taking a look at what is affecting your commercial auto insurance rates can help you understand your premiums and find ways to save money.  Size of the Business  The size of the business not only refers to the number of vehicles you have insured, but also the number o...

While your homeowners insurance might provide protection against some of the damage that bad winter weather might do, it is not all-encompassing. Therefore, you must still do your due diligence and secure vulnerable parts of the home against the potential ramifications of these hazards. Consider a few of the hazards that might effect your home this winter, and what you can do to protect yourself from them. What Risk Does Cold Weather Pose to Your Home? Your house is supposed to be the plac...

There are many somewhat hidden rules when it comes to home insurance, especially with how much you should carry. One of these rules is the 80% rule in home insurance. You should generally carry at least 80% of your home’s total replacement cost value in home insurance.  What is Total Replacement Cost Value in Home Insurance?  The total replacement cost value of your home is how much it would cost to completely rebuild your home after a disaster, including building and mater...

When applying for life insurance, you will be asked to provide information about your medical history and take a physical examination.   If you are not completely truthful about your medical history, you may lose your policy or, when you die, your dependents may be denied benefits. Therefore, it is imperative that you tell the truth throughout this process.   In regards to the examination process, a medical professional hired by the insurance company will typically cond...

In order to operate a vehicle, an individual must carry insurance in an overwhelming majority of states. In addition, many states also outline coverage limits that drivers must include within their policy. While meeting these minimum limits may be enough to get you on the road, they may be inadequate if you are involved in a serious accident. You may want to consider raising your limits to secure proper protection.   The Problem with Minimum Coverage  Drivers are required to...

Home insurance companies determine rates based on a wide range of factors. But you will notice that urban, suburban and rural homes vary dramatically when it comes to the premiums paid.  Here are some of the factors that make up the difference between a typical urban, suburban and rural home:  Proximity to fire departments. Rural homes tend to be farther away from public facilities, such as fire departments. This means that you are at a hi...

With so many insurance providers offering so many types of life insurance policies, it’s no surprise that rumors spread. Many people think life insurance is too expensive or that its coverage is too limited. The best way to bust all of the myths is to talk to an agent who can walk you through the policies that meet your needs; but in the meantime, here are three busted myths about life insurance that may help you when it comes time for making coverage decisions.  Myth #1: Empty nes...

In most states, it is perfectly legal (and common) for insurers to consider your age and gender while calculating your car insurance premiums. This is done for a variety of reasons, but is primarily done to help evaluate your risk as an insured driver. Risk refers to how likely you are to get in a wreck or file a car insurance claim. Since insurers don’t want you to file claims, especially not frequent claims, they may charge you more based on your risk level to compensate for potential lo...

Do you live in a state that experiences thunderstorms, tornadoes or hurricanes? The answer is probably yes! Most of us experience at least one type of these storms.   Why is that important? Because storms typically include high winds, which can cause roof damage. In fact, the Insurance Institute for Business and Home Safety tells us that almost 95 percent of high wind property losses include roof damage.  Ok, but since most homeowners insurance covers roof damage, whats the big d...

You left the windows open on your vehicle and now there’s significant damage to the seats. Perhaps the window was broken as a result of an accident and now you have seats that are in bad condition. What should you do? Are you covered under your auto insurance plan? The answer to that is, sometimes. In some situations, you may be able to recoup some of the cost to making repairs.  When Does Car Insurance Cover Your Losses?  Car insurance plans may help you to overcome the loss...

When youre considering the purchase of life insurance, one of the most important things to know is the difference between term life insurance and whole life insurance. This knowledge will help you determine the best coverage for your particular needs.  Term Life Insurance   Term life insurance will protect you for a specific period of time, such as 10, 15 or 20 years. After that time, your coverage will cease and all premiums you paid will be forfeited.  Because of this lim...

Business owners who allow their employees to drive as part of their assigned duties assume a degree of liability for the employees’ actions behind the wheel. Therefore, they need commercial auto insurance. Still, if an employee uses their personal car for work, then that does not mean that your liabilities go away. The employee still drives under the business’s authority at these times. So, if you are trying to insure this employee, then you will likely need to ensure your policy con...

If you are like many other homeowners, you purchased a home insurance policy and didnt think twice about it. You may have assumed your insurance agent took care of ensuring you had enough coverage for any risks you may face. Even if you did take a closer look at the policy’s details, you may not have known how much liability coverage was ideal for your specific needs. However, most homeowners should take a look at what additional coverage is necessary so they can ensure more comprehensive ...

While not mandated by law like other types of insurance, life insurance is something that anyone with dependents needs to have. Some people want to get it, but fear its too expensive. Here are seven tips to help you get the most savings on your insurance policy:  Review Your Coverage Amounts  Its a good idea to have a policy that pays out eight to ten times the amount of your annual income. If youre considering between a $500,000 and $1 million policy, ask what the rates are. You m...

If you are just getting married, now may be a good time to make some changes to your auto insurance policy. Those who are recently married may be able to save money by selecting a new car insurance plan together.   We know you have many other things on your mind right now. However, changing your auto insurance may be one of the best steps you take if it means lower premium rates.  Take Advantage of a Multi-Car Discount  Now that you have married, you may be able to get...

Setting up a backyard play set is like a rite of passage for parents. As this process continues, many parents begin to wonder if it will ever be done. Inevitably, the project gets finished, and its all worth it once the children start enjoying it, but these slides, swings and ladders all have inherit dangers in them too. When letting your children — along with friends and neighbors — play on your backyard swing set, consider some of these safety tips.  Make sure the str...

Pre-existing conditions are hotly debated in both health and life insurance. You may wonder if you can get life insurance if you have a pre-existing condition. Fortunately, there are ways you can get life insurance, even with a pre-existing condition.  What Type of Life Insurance Covers Pre-Existing Conditions?  There are many life insurance products on the market that cover pre-existing conditions. However, getting coverage for a pre-existing condition likely isn’t going to ...

Distractions are a common cause of accidents with teen drivers. These drivers are still learning to drive. They likely are still building up confidence behind the wheel and developing good skills. Yet, they have many types of technology at their fingertips. These may include phones, radios and GPS systems.   While auto insurance may support accident claims, it is best to work to reduce these risks from the start. Consider these tips for reducing teen driver accidents.  Teach...

Accidents happen, most of the time in the most unexpected way. Say a guest slips in your restaurant and twists their ankle. You call for medical assistance immediately, but the guest is furious and doesn’t want to pay for the medical expenses. What do you do?  Every business should have general liability as part of their insurance policy. This coverage provides compensation for bodily injury or physical damage you may directly or indirectly cause to someone else. It offers medical ...

Autumn is the perfect time for apple picking, pick up football games, and lazy Sundays curled up by the fireplace. While those are important activities for you to do with your family and friends, you also need to ensure your home gets a little TLC. Heres a list of things you should plan to do in the next few weeks to ensure your home is ready for fall:  1. Clean Out Gutters  You might need to do this more than once this fall, but keeping your gutters free of fallen leaves, twigs, a...

When applying for life insurance, you will be asked to provide information about your medical history and take a physical examination.   If you are not completely truthful about your medical history, you may lose your policy or, when you die, your dependents may be denied benefits. Therefore, it is imperative that you tell the truth throughout this process.   In regards to the examination process, a medical professional hired by the insurance company will typically cond...

Getting a flat tire while driving can be an extremely frustrating and inconvenient experience—forcing you to either go through the hassle of installing a spare tire on your own or calling and waiting for roadside assistance. That’s where run-flat tires can help. These tires are able to support the weight of a vehicle even after deflation occurs—allowing you to continue driving for a limited distance until you find an auto repair shop that can properly inflate or fix your tire(s...

Running a business involves dealing with necessary expenses to keep the door open. Among your business expenses might be insurance costs. Expenses also might include the costs to maintain company vehicles and drivers.  If you operate vehicles for commercial purposes, you might need commercial auto insurance. These policies can be costly. Nevertheless, there are ways that you can keep your commercial auto insurance affordable.  A Brief Overview of Commercial Auto Insurance  ...

Some auto insurance companies offer nice features with their policy that could provide some financial protection to new car owners. A new car replacement guarantee is one of those. If your insurer offers it, it means the company is likely to replace your car if totaled during the first year. That sounds fair and like something all insurers may do. However, that is not the case. In fact, you may find yourself without any protection in some situations.  Consider the Value of Your New Car&n...

Business insurance provides protection from a number of financial risks most businesses could face at some time in their operation. This type of insurance is rarely an option because it can help sustain a company through fires, theft, vandalism, and other high-risk situations. Yet, just because you need insurance doesnt mean you have to overpay for it. Saving money on business insurance is possible. These tips can help to reduce many of your costs substantially.  Take a closer look...

Most Americans dont give much thought to earthquakes and earthquake insurance. News reports about tremors, tremblors and quakes are becoming more and more frequent, so it may be worth learning the basics so good decisions can be made.  Every state in the country has experienced an earthquake at some time and thirty-nine states have suffered at least one major earthquake. Heres a fact that might surprise you: earthquakes affect almost five million Americans every year.  Earthquake...

When it comes to protecting your boat, you likely have boat insurance to provide protection against damage related to the boat. However, your boat generally has a great deal of additional assets that may not be covered in a basic policy. Take a look around your boat. What types of assets do you have that may be at risk because you lack boat insurance coverage for them? You may have special equipment and other high value assets that need additional protection. Read through your boat insurance ...

When you buy a house, you must insure the property. Homeowners insurance is a benefit to owners of properties both large and small, high-value and low-value, and it’s an instrumental piece of security in the face of numerous property damage risks and other liabilities.  Your homeowners insurance will be there to help you if you ever need cost assistance following property damage, loss of possessions, lawsuits lodged against you or other unexpected challenges arising on your propert...

Choosing the car insurance that is best for you means considering how much it will cost you to maintain your policy. Often, you might feel tempted to choose the cheapest policy available to you, but is this really the right choice in the end?  The auto insurance policies with the lowest costs are often those that only offer minimum amounts of coverage. While they might cost you less in the short term, you might find that you will be without critical benefits when you need to file a claim...

No matter how big or small your business might be, it might require a significant amount of equipment to run. The equipment in your business might be computers, refrigeration systems, compactors or other machinery. It can even include the air conditioning, electrical or furnace systems that you must use to keep the space inhabitable.  All your equipment is going to cost money both when you buy it and when you need to service or make repairs to it. Equipment breakdown insurance can theref...

If you have livestock, you know that things beyond your control can happen to affect the health and life of your livestock—things such as floods, lightning, fire, sinkholes and someone stealing or hurting your livestock. Just as you have insurance to cover your house, equipment and family, you also need to have insurance for your livestock. There are some options to choose from, and its best to talk with an independent insurance agent before you decide the option that is best for you. ...

Pet insurance is a useful type of policy that covers unexpected accidents and illnesses that may threaten the health of your beloved pet. This can range from car accidents, a pet eating something it’s not supposed to, a sudden and unexpected illness in a previously healthy pet, and more.   Unfortunately, just like any other insurance policy, pet insurance has its exclusions and limitations.  Before signing onto a pet insurance policy, be sure it includes coverage for acci...

When it comes to life insurance, there’s a lot of information out there. It can be difficult to determine what best applies to you and your family’s needs. This is because every family has different needs that stem from earnings, children, debts and other living expenses. Though families don’t often fit into cookie cutter models, many financial professionals recommend purchasing life insurance in an amount equal to about five to ten years of your annual income.   T...

Though we have both high and low locations throughout town, a flood might happen anywhere. If one were to strike your home, what would you do?  Here are some ways to avoid the sting of flooding long before the storm clouds roll in.  Step One: Get Flood Insurance  Homeowners will invest a lot of money in their home. Most of these investments will go into fortifying the home and beautifying it. But some will go into protecting its value, should calamity strike. Most homeowner...

Collision and comprehensive coverages provide financial safety nets in the event that your vehicle is physically damaged and needs to be repaired or replaced. Although these coverages are generally not required by state laws, they can reduce your financial hardship during a loss.   Also, if you are financing a loan for a car, your lender will most likely require both collision and comprehensive coverage as part of your car insurance policy. Read on to learn more about the basics of ...

Small businesses are at a high risk of loss when a single incident occurs. It could be a fire, theft, or damage to equipment. When an instance like this occurs, it can put a business at risk because some small companies often lack significant cash reserves to get back up and running quickly. Comprehensive business insurance is nearly always necessary. Yet, for those companies just starting out, there are some forms of business insurance that are essential. These minimal coverage plans may not pr...

A hands-free device may be one of the most valuable investments you make into your car. It may not seem like it. It may actually be very affordable to purchase. However, it can reduce the risk of accidents and car insurance claims. It may even save a life. If you have not thought about it, consider the value of investing in this one key component. Here’s why. Knowing the Risks on the Road When it comes to driving, the most important step you can take to minimize risks and avoid...

Home insurance is designed to protect your home in case of an accident or natural disaster. Unfortunately, even if an accident does happen while you have home insurance, this doesn’t mean you’re completely in the clear when it comes to expenses. When you file a claim on your home insurance policy, you will often see a rise in your rates based on the type of claim, severity of the claim and other factors. Why Do Home Insurance Premiums Go Up After a Claim? Home insurance premiums...

An important part of being a boat owner is preparing for the worst when you’re out on the water. But what are you supposed to do when disaster strikes? Certain natural disasters like lightning and water damage from a sinking boat can result in major issues. This could include the total loss of your boat, and lead to a boat insurance claim. What is a Total Loss? A total loss refers to any damage to a boat that is beyond repair or salvage. Typically, a total loss fits into one of two di...

Drivers want low auto insurance rates. No one wants to overpay for them. Yet, rates vary significantly from one driver to the next. They also vary by location. If you paid one rate in New York, you may pay less if you lived in Vermont. Rates can even vary from town to town, from neighborhood to neighborhood. A variety of factors cause this difference. That is why it is best for each individual to request a quote to learn what their rate is. What Are the Risks in That Area? Risk defines car in...

You can think of homeowners insurance like a large package of different insurances all wrapped up together. Dwelling Insurance is one of the key pieces of that bundle. It covers your home, attached structures and can even include permanent appliances. What is covered by Dwelling Insurance? Most people think that a dwelling is just the physical structure they live in. They tend to picture a house or area of land, but what’s covered in dwelling insurance is so much more. Dwelling insuranc...

Even though summer is winding down, it’s important to keep your boat insured against damages that can occur during the off-season. Thinking about reducing your coverage? Take a moment to learn about different boat insurance coverage options so you can make an informed decision about which coverages to trim and which coverages to keep intact. Physical damage: Offers protection of your boat and permanently attached equipment against a variety of damages, including collisions, theft ...

Taking your boat out on an excursion means seeing to your own safety during the voyage. You would rather prepare for any problem than find yourself hurt or stranded as a result of an unexpected problem. Consider some of the essential safety items you should load onto the boat before casting off. Life Jackets No piece of safety gear is more essential than a life jacket. On almost every public waterway, pleasure boaters must wear life jackets, also called personal flotation devices (PFDs). T...

Term life insurance is one form of insurance providing a payment at the end of life. It remains in place for a period of time. For some, including those with or without dependents, this policy can work well. Choosing the right coverage for your needs is important. That is why a customized quote from your agent is best. However, there are a few things to consider about term life insurance before you buy it. Term Can Cover Specific Goals Those who have dependents tend to want several things...

Fires are the leading cause of home injuries and death. Does your family have a plan if a fire started in your home? The best way to practice fire safety is to make sure one does not break out in the first place. This means being aware of potential hazards in your home. Start by keeping the following tips in mind: Check all electrical appliances, cords and outlets. Make sure they’re in working condition, without loose or frayed cords or plugs. Use caution with portable heat...

Throughout the United States each winter, people go out for a quick errand or attempt to drive home from work and end up stranded inside their cars for hours or even overnight due to unexpected road conditions. Here are some tips to survive an extended period stuck in your car in the winter. Prepare in Advance Certain items should be kept in your car at all times during the winter months. People often make the mistake of assuming they will only need these items if they are planning a big tri...

Do you have an inventory of everything you own? Here’s why it is important. A storm causes lightning to strike your home. It catches on fire. In a matter of minutes, the home is facing significant damage. Firefighters get the fire out. But, the fire, smoke, and water damage is significant. Think about it – could you remember every item in your home? Could you list out these items, and their value, to the home insurance agent? Most people could not. However, having documentation of...

Opening a catering business can be a rewarding opportunity. Yet, like any type of business operation, it comes with numerous risks. Your goal is to provide fantastic food and good service to your customers. To do this, and minimize financial loss, you need business insurance. Most catering companies need business owner policy (BOP) coverage or beyond. What are some of the policies from which you can benefit? Work with your agent to determine the right features to protect your new venture. Ge...

Your homeowners insurance policy covers quite a lot. Between storm damage, vandalism and other risks, comprehensive coverage can guarantee a high degree of fiscal protection over the years. Still, standard home insurance policies don’t cover everything. While they’re effective at protecting the homeowner’s average assets, sometimes assuring fiscal coverage for one’s dwelling—and even third-party claims—isn’t enough. Unique Risks and Coverage ...

When most people think of spring cleaning, they picture rubber gloves and soapy sponges. Hopefully you keep your workplace clean year-round, but there’s still spring cleaning to be done. Use this time each year to breathe life into tired routines and refresh old policies. Hoping for greater efficiency? Wishing to cut down on expenses? Now is the time to make the necessary changes by doing a bit of metaphorical spring cleaning. Website Set aside a few hours to surf your business’ ...

When you call your car insurer, you might want as much coverage as possible. Therefore, you might ask them for comprehensive car insurance. However, be careful; comprehensive coverage means a very different thing to most insurers than it might to you. Comprehensive coverage, along with its counterpart, collision coverage, is part of a greater portion of your policy called physical damage insurance. It’s certainly important to have physical damage coverage on your policy, and here’s w...

Home break-ins are all too common, especially during the daytime on weekdays when most people are away at their jobs. Home break-ins are also most frequent during the warm months of the year. However, many break-ins are preventable by increasing your home security. Use these tips to protect your property. Install a Home Alarm System There are home alarm systems that use a variety of sensor technology, such as motion detectors, contact sensors and glass-breakage detectors. Most alarm system...

Like most businesses, pinpointing the cost of insuring a farm is difficult, as it relies on a variety of factors. Farm insurance is a broad term that can include a lot of different coverages, each with their own costs and limits. What Does Farm Insurance Cover? Farm insurance covers a range of dangers and items unique to farms. Coverage included in farm insurance are: General Liability covers accidents of bodily injury or property damage of a third party on the farm property. Farms a...