Wednesday, November 13, 2019Just because it happens in your home doesn’t necessarily mean you’re liable for the damages. But what is liability? Liability involves a third party who suffers an injury or personal property damage while in your home or as a result of your actions. Let’s look at a few examples. READ MORE >>
Tuesday, October 22, 2019It is not uncommon for insurance agencies to raise rates when risks are higher. Many auto insurance companies use credit scores to determine risk. A correlation exists between those who have a positive score and those who safe drivers. If you have a poor credit score, working to improve it can be a good thing. READ MORE >>
Tuesday, October 8, 2019Business insurance is not a one size fits all product. The type of coverage you need depends on many factors, such as what kind of business you have and where you conduct your operations. Overall, companies need general liability and property insurance. If you have people working with you, you also need workers' compensation. READ MORE >>
Thursday, October 3, 2019When you get into an accident that seems relatively minor, you may end up surprised when your insurance company declares your vehicle totaled. Also known as declaring a total loss, this decision relies on different information than you might expect. READ MORE >>
Tuesday, October 1, 2019If you have renters in your home, be they tenants or roommates, in a scenario where you are the owner, and they're the renter, you are technically a landlord. Your home insurance is going to be affected in different ways. Here's what you need to know:
Many providers will allow up to two roommates with no changes being made to your policy. READ MORE >>
Thursday, September 26, 2019In one year, tired driving accounted for around 72,000 crashes, totaling 800 deaths and 44,000 injuries. Even if you manage not to fall asleep at the wheel, drowsiness slows down your reaction time and hinders your ability to think coherently and make smart driving decisions. Put simply, it's not worth the risk. READ MORE >>
Tuesday, September 24, 2019When it comes to what is and isn't covered on home insurance the line is usually drawn at one simple question: Was there anything you could have done to prevent the damages? This is why we check our plumbing for leaks and keep our smoke detector batteries fresh. One area that many homeowners neglect, however, is ventilation. READ MORE >>
Thursday, September 19, 2019People always say that home insurance is "better to have and not need than the other way around." The trick is figuring out when you need it. Ideally, insurance is a last line of defense. Sometimes, it even makes far more sense to cover the damages yourself without filing a claim.
Here's are some things to consider:
READ MORE >>
Tuesday, September 17, 2019If you’re familiar with your business insurance plan, you’ve probably examined its professional liability coverage to great extent. Between employee slip-and-fall injuries, construction site injuries, fleet accidents and more, there are a lot of situations which can result in financial trouble. READ MORE >>
Thursday, September 12, 2019Auto insurance providers tend to sign their policies with the understanding that a lot of people loan their cars out to family and friends. A policy is not immediately invalid because someone else is driving your car. However, there are plenty of good reasons why some people won't let anyone else behind the wheel of their car. READ MORE >>
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