Blog

18
Mar

Three Statistical Factors that Affect Your Car Insurance Rates

Insurance companies use many factors to determine the premium rate specific to each client. Persons with expensive possessions, cars, or businesses may be charged higher than others. Insurance providers also consider statistics to set prices; that is, they study facts and figures and use them to determine their rates. Here are some of the car insurance industry statistics that are

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4
Mar

Term vs. Whole Life Insurance: Which One is Better?

Term life insurance is coverage for a specific sum of years where the benefits are awarded to the beneficiaries if the insured dies within the coverage period. Whole life insurance is protection for benefits to be paid to the beneficiaries at any time the insured dies. Both coverages have their pros and cons, but the former is significantly cheaper than

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18
Feb

Does My Homeowners Insurance Cover My Child at College?

Insuring your home is an important step in protecting your family. As your children grow up and move off to college, they may no longer be covered by this layer of protection.  These kids are living outside your property, and it can influence the coverage of your homeowners insurance. Is your child on campus? It all comes down to your

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4
Feb

Stay at Home Valentine’s Day Ideas

Valentine’s Day is a special celebration of love. We often think special days like this should be celebrated in special ways. Of course, it should, but our concept of special can become distorted. We want to make reservations in a restaurant like others or go through the hustle and bustle of pushing through crowds to see a movie. Here is

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21
Jan

Things to Consider before Buying Insurance for a Snowmobile

Available Discounts Snowmobile insurance plans often include discounts for customers to pay subsidized prices with equal benefits. Here are some of the common snowmobile discounts: a) The multi-policy discount – Customers enjoy discounted rates for buying coverage for two or more snowmobiles. b) Easy-pay plan – Also called autopay, clients can set up scheduled installment payments by allowing the carrier

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7
Jan

Top Six Ways of Reducing Small Business Insurance Premiums

Here are the top six ways to reduce your premium while still ensuring quality coverage. 1. Thorough Background Checks on Workers The key to lowering premiums is to reduce the number of liability claims against your business. One of the steps to limit claims is to do a thorough background check before hiring employees because workers with past criminal records

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23
Dec

What Are the Items Covered By Valuable Personal Property Insurance?

Valuable personal property insurance is purchased to cover special items that may be valued differently than other items you own. Items that are valued significantly higher due to their age or uniqueness may require a special policy that will provide additional coverage if they are lost, damaged, or stolen. It’s important to know what type of damage is covered for

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11
Dec

How Can Life Insurance Policy Be the Best Christmas Gift?

Buying life insurance as a Christmas gift isn’t such a bad idea. It can be difficult to buy Christmas gifts, especially when you have no idea what people want. Who wants to buy gifts that will only sit on a shelf, end up being thrown in the attic, or donated to a local charity? Instead of buying gifts that will

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26
Nov

Who Qualifies for a Business Owners’ Insurance Policy?

Businesses of all shapes and sizes have the right to purchase insurance to protect their investment and keep their livelihood on track. All types of businesses have some degree of liability. Many have a large number of assets and employees to consider, as well. Having a business owner’s insurance policy is the best way to prevent financial loss that would

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12
Nov

4 Practical Thanksgiving Safety Tips for Homeowners

Thanksgiving is a time to enjoy with your friends and family, gathering around a feast of your favorite foods, making memories, and it is all about celebrating life. Enjoying these special times is your main priority, but you should also take precautions to protect your guests from accidents or injuries that could ruin your good times. Keep Your Home Secure

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