If you are a homeowner who plans to make some amendments to your home or change the dynamics of your home, you need to ensure that you take time to discuss your plans with a home insurance agent. You do not want to make the mistake that some homeowners make when they assume that making amendments to their homes will raise their property value. Some amendments can lower property values. There are also some changes that can cause insurance rates to go up.…
Do you know the difference between comprehensive and collision auto insurance coverage? Do you know what type of insurance you need to carry to make sure you’re covered in case of a hit and run? Do you know how much liability coverage you need to protect you from out-of-pocket expenses in the event of a major accident?
If you answered no to even one of these questions, there is a good chance that your auto insurance policy may not be providing as much coverage as you think.…
There are several different things that you have to think about when you hire new drivers for your company. One thing that you have to worry about is commercial auto insurance-related matters. These are some commercial auto insurance tips that you should think about and remember when you hire new drivers for your company.
Check Driving Records First
One main thing that you should do before hiring anyone to drive the vehicles owned by your company is to conduct a thorough check of their driving record.…
Having life insurance is one of the most critical decisions you can make. Yet few people have life insurance coverage. Typically there are two myths about life insurance. One is that people tend to think that life insurance is a product for older people. Then there is the perception that you do not need life insurance unless you have a life-threatening medical condition. The fact is that life is full of uncertainties.…
Homeowners’ insurance deals with damages and losses in an individual’s residence. It provides coverage against accidents in your home. The policy covers exterior damage, interior damage, injury on the property, and damage or loss of personal assets. Here are some common types of homeowners’ insurance claims.
1. Water Damage
Water damage can either be non-weather-related or weather-related. Non-weather-related damage is water damage resulting from burst or leaking pipes, overflowing toilets, bathtubs, or sinks, and burst appliances.…
Insurance agents have the opportunity to advance their careers through continuing education courses. They’re easy to access and can really benefit your position as an insurance agent if you approach New York insurance CE well.
1. Make Sure Continuing Education is Relevant
You can pursue a lot of different educational opportunities as an insurance agent, but so that your time and money spent on these programs are fully realized, take your time seeing which options are the most relevant to your career.…
Nowadays, many people shop for insurance coverage online and never actually come in contact with an insurance agent. It’s true that buying and handling your insurance online can be a good thing in a number of ways, but this doesn’t mean that local insurance agencies aren’t a good thing. In fact, there are a few different things that you should be able to count on your local insurance company for, including the things listed below.…
Your home loan lender requires a certain amount and type of homeowners insurance. However, if you’ve already paid off your home or paid cash, then you might think you don’t need insurance. There are solid reasons why you should continue with your homeowners insurance even if you don’t have a lien on your home. Here are some reasons to keep your home insurance after your loan is paid off and what changes you may want to make to an existing policy.…
When you first purchase auto insurance, you might not know a lot about how it works. As a result, you might buy too little or too much insurance coverage. One option you will get to choose from is buying full-coverage insurance versus liability-only. If you do not completely understand the difference, it might be helpful to learn what full-coverage insurance covers.
It Covers Damages You Cause to Others
A full-coverage auto insurance plan comes with many coverage types.…
A home inventory is one thing that could save you a lot of hassle if you ever need to file a homeowner’s insurance claim. However, many people don’t do an inventory because they feel it’s a lot of work. Here are some reasons why you need a home inventory and some ways to streamline the process.
Reasons for Taking a Home Inventory
Here are three top reasons why taking an inventory is important.…
