Choosing an Auto Insurance Deductible
In order to determine exactly how much car insurance you can afford, you need to understand what a deductible is and how it works. When buying car insurance, you must consider both the premium and your deductible when determining your budget for coverage. What Is a Car Insurance Deductible? Definition A deductible is the amount 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. […]
Infographic: Types of Auto Insurance
Customers often ask us exactly what each coverage on their auto insurance policy does. As policy language can be complicated and confusing, it can be difficult to understand how your policy is supposed to react in the event of a claim. The Insurance Information Institute put together a nice infographic that outlines what each coverage […]
Safety Precautions When Planting
Planting a garden is a relatively low-risk activity, but certain safety precautions keep you safe while planting. Garden preparation often includes use of potentially dangerous tools. The physical exertion required to plant seeds or seedlings is another potential concern, especially for those with health issues or limited mobility. Minimize your risk of injury through safe […]
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 […]
Dangers of Working with Unlicensed Contractors
One of the first principles of gambling is this: Never take a risk you can’t afford to lose. When you hire an unlicensed contractor to do work on your property, or you fail to secure the necessary permits for that work, you are doing just that. Here’s why: When a general contractors take jobs, they will hand […]
What is coinsurance?
Coinsurance is a clause built within every property insurance policy. If you don’t carry the proper property insurance limits, this clause will cause significant headaches when trying to settle claims. What is Coinsurance? Coinsurance is a contractual requirement within your policy that you agree to insure your property at the correct limits, typically specified by […]
