What is Business Income Insurance Coverage?
Business Income (or business interruption insurance) protects business owners from the loss of income when their facility suffers a disaster that forces it to close. While a property insurance policy covers the physical damage or loss to a business’ property, a business income insurance policy will cover the business for lost profits and expense payments. This type of […]
If I File an Auto Insurance Claim, Will My Premium Go Up?
Many people are hesitant to file claims with their auto insurance company out of fear that their premiums will be increased or the policy will be cancelled. While practices vary between insurance companies, more will increase your premiums by a predetermined percentage for each chargeable claim made against your policy above a specific dollar amount. […]
How to Properly Insure Jewelry
Insuring Jewelry Knowing how much personal property coverage you have on your homeowners or renters policy is a good place to start with insuring jewelry. Most of the time, you’ll be covered up to a certain limit if it is stolen ($2,500 total). But with the average value of an engagement ring in the US costing around $5,000, homeowners insurance […]
Back-to-School Tips for Parents
Move over, summer–a new school year is coming! With the start of school, families face new organization challenges. School bells ring–and so do early-morning alarm clocks. Paper piles swell as hand-outs and homework stream into the house. Shorter autumn days bring a hectic round of sports, activities and events, and calendars fill with cryptic notes. Can the holidays […]
Landscaping Tips to Maximize Your Home’s Value
Did you know that your home’s landscaping can either increase or decrease the value of your home? Many landscapes look like a collection of randomly chosen and haphazardly placed plants. Not only do they lack cohesion, but even worse, the poorly placed plants become liabilities, requiring expensive pest treatments, frequent pruning or complete removal long before […]
Insuring a Golf Cart
If you own a golf cart, you may associate it with leisure activities — driving around the golf range, traveling around a gated or retirement community, or even just rolling around your property. Though golf carts aren’t made for speed, they’re still moving vehicles, which means they can still be damaged, and they can cause […]
World’s Weirdest Insurance Policies
Most people are familiar with the standard insurance policies — homeowners, auto, umbrella, life, and health insurance. What you may not realize is that there are insurance policies available for some off-the-wall risks. Alien abduction insurance anyone? From celebrities to the just plain bizarre, here are some of the most unusual insurance policies in the […]
Toy Drone Liability
When it comes to saving money on your auto or homeowners insurance policies, one of the quickest ways to reduce your monthly premium is to raise your insurance deductible. But that can be a tricky decision that’s a matter of savings versus psychology. Before you sign up for the highest possible deductible, you would be wise […]
How to Choose a Deductible
When it comes to saving money on your auto or homeowners insurance policies, one of the quickest ways to reduce your monthly premium is to raise your insurance deductible. But that can be a tricky decision that’s a matter of savings versus psychology. Before you sign up for the highest possible deductible, you would be wise […]
What does Electronic Data Protection cover?
An often overlooked insurance coverage for business owners is Electronic Data Protection insurance. In the event of a claim this insurance can save you and your staff hours of headaches trying to restore the electronic data that was lost. What Does Electronic Data Loss Insurance Cover? 1. Lost or damaged electronic data EDP coverage as it […]
