What Is and Is Not Covered by Home Insurance
Posted: December 2, 2022
Here's What Is and Isn't Covered by Your Homeowners Insurance When it comes to homeowners insurance, you likely have many questions, with "What does it cover?" and "What doesn't it cover?" probably being the most important. Here are some things to be aware of. A basic homeowners insurance policy covers your home and possessions in the case of fire, windstorm (unless you live in a...
Who Needs Workers Comp Insurance
Posted: November 4, 2022
The Basics of Workers’ Comp Insurance for Small Businesses Nearly every state requires employers to have insurance to cover medical costs and lost wages for workers who are injured or become ill on the job. But when do you need it, and how do you get it? Workers’ compensation (often shortened to "comp") insurance helps your employees and protects your business should a tragedy occur, such...
How A Claim Impacts Your Insurance Premium
Posted: September 30, 2022
How a Claim Can Impact Your Annual Premium Something happens to your home, maybe a tree falls onto the garage in a storm or a window breaks. If you can fix it yourself, would you rather do so or claim on your insurance and risk raising your premium? According to InsuranceQuotes.com, depending on where you live, claiming on your insurance can raise your premium by...
Personal Umbrella Insurance - Why You Need It
Posted: May 12, 2022
Umbrella Insurance? Umbrella insurance provides protection over your auto and homeowners or renters insurance. If you have a significant insurance claim and use up your auto or home insurance limits you are personally responsible. An umbrella policy sits on top of the auto and home insurance and provides you with one million dollars or more of additional insurance protection. In today's litigious times it is...
Reasons For Life Insurance
Posted: March 9, 2022
Key Ways You May Need to Use Life Insurance Life insurance is typically used to provide replacement income for those who depend on you. That includes spouses, children or other dependents, such as minor grandchildren, disabled adults and the like. But what exactly does "replacement income" refer to? There are many ways to consider the idea. First, replacement income could refer to funeral costs and...
