Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die. When you buy life insurance, you want
There are many reasons why you may choose to change your auto insurance coverage to another company. Perhaps you’ve found another company that offers you the same amount of coverage for considerably less money. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you’re unhappy with the service that your present company
When you start a home-based business, buying insurance may not be your first priority, but you cannot afford to ignore it either. When the unexpected happens — and it will — having insurance coverage may mean the difference between the success and failure of your home-based business. You may not require all types of insurance listed here, but taking some
Homeowners Insurance is supposed to protect us in case of disasters. That is what we have come to expect from our homeowners insurance over the years. But what if the disaster is the costliest in U.S. History? What if your insurance agent’s home and office were destroyed in the disaster also? That is what happened to many customers and homeowners
What is D & O Liability? It is liability insurance to cover damages or defend costs, in the event a Director or an Officer suffer losses as a result of a lawsuit for alleged wrongful acts while acting in their capacity as a Director and an Officer for an organization. To explain in more laymen terms, it insures “Behavior” in that
Prepared by the National Association of Insurance Commissioners Buying Life Insurance How much do you need? What is the Right Kind? Finding a Low Cost Policy Things to Remember Buying Life Insurance When you buy life insurance, you want coverage that fits your needs and doesn’t cost too much. First, decide how much you need – and for how long
All homeowners are looking for ways to reduce our home insurance costs. Costs continue to rise and budgets get tighter and tighter with each passing year. Here are 8 tips to reduce your home insurance costs. 1. Increased Home Security Most homes are fitted with some sort of security device. To make the most of your Home Security Discount
Consolidate Insurance Policies Insuring two or more vehicles with the same insurance company can save you between 10 – 15% on your premiums. Covering your home through the same company that you have auto insurance with can reduce your premiums by another 10-15%. Increase Your Deductible One rule of thumb is to carry the highest deductible you can afford. By
Q: IF I GET A TICKET FOR SPEEDING OR RUNNING A STOP LIGHT COULD IT CAUSE MY AUTO INSURANCE TO GO UP? Well mostly likely if you got pulled over by the police, you probably broke the law. Whether you did it intentionally or not, it doesn’t matter…you still did. First and foremost; BE NICE. 99% percent of the time
What Causes Frozen Pipes? The water inside pipes can freeze when outdoor temperatures drop below freezing. As freezing water expands, it causes the pressure inside the pipes to increase, possibly leading to bursting pipes. Prevent Frozen Pipes Insulate pipes, especially those close to outside walls, attics or crawl spaces where the chance of freezing is greatest. Seal air leaks