4 May 2016
If you have a disability that requires you to have mobility-adapted devices in your vehicle that aid you in driving, you may be surprised to learn that an insurance company can deny you coverage, charge you a higher rate, or require additional insurance coverage. This is something of which you need to be aware when looking to insure a vehicle with adapted devices. Repair/Replacement Costs Affect Rates Although, according to the Americans with Disabilities Act, an auto insurance company cannot deny you coverage based solely on your disability, some companies use the cost of repairing or replacing the modifications in your damaged vehicle following an accident as a loophole.
20 April 2016
Bundling insurance policies involves purchasing more than one insurance policy from the same carrier. For example, people regularly bundle their homeowners' and auto insurance policies. Bundling saves you money because most carriers offer discounts to those who buy multiple policies from them. However, this isn't the only benefit of bundling insurance policies; other advantages include: Convenience Insurance is a necessity, but few people take joy in the paperwork and processes it involves.
25 March 2016
House fires across the U.S. in 2013 caused nearly $7 billion in damage, as well as inconveniences that are too broad to measure. While there are many reasons that you don't want to have a fire in your home, it's important to also think about how a fire will elevate your home insurance premium. This means that a simple mistake or oversight can cause you money each month for years to come.
20 March 2016
As a homeowner, you probably already know the importance of having insurance on your home. However, that doesn't stop many people just like you from forgoing having insurance in the first place. Whether it be because they don't understand the policies or they simply cannot afford the premiums, homeowners insurance isn't something you want to do without. Make sure to ask your insurance agent about some of the following credits that might be available to you to help you save on the cost of your policy.
9 March 2016
If you are looking into home insurance, then there are a lot of facts to process. There are so many different kinds of home insurance that it can be difficult to tell which is which, and more importantly, which is best for your situation. To help you out, here are some basic questions that will help you narrow down your search and figure out the differences between the most popular types of insurance:
23 February 2016
When you buy a car, you aren't the only one who will drive it. Friends, family members or even neighbors may drive your car from time to time. You need to make sure these people have adequate insurance so you don't become liable for accidents they may have with your car. Here are the categories of people that your insurance policy should cover: Members of Your Household The first thing to consider is where each of the drivers live.
8 February 2016
If you have a new driver on your auto insurance plan, or just want to make sure your ex-spouse is never covered in your car, learning how to exclude people from your insurance plan is a priority. Here are some tips for doing just that. What are Exclusions? An exclusion is what happens when you submit a form to your auto insurance company asking to exclude a certain driver from your coverage.
22 January 2016
If you own a business, you may not want the added expense of business insurance. However, not having proper coverage can be more costly in the long run. Here are a few reasons to purchase and maintain business insurance: Legal Expenses A lawsuit can be expensive even if the plaintiff doesn't win. Your business can be sued by a disgruntled employee, a fellow business owner that believes you breached a contract or even a customer who accidentally falls and becomes injured on your property.
11 January 2016
One health insurance alone isn't going to be able to cover all of your medical expenses. Because of this, supplemental medical insurance is more of a necessity than a want. It makes sense from a financial standpoint. It provides you with the peace of mind you need to cover you when any unexpected illnesses or injuries occur. There are an assortment of different supplemental plans available. However, the most common ones are dental, vision, accident insurance and critical illness.