Trees are a beautiful addition to any home and can add value to your property. However, trees can also be troublesome if they aren’t properly maintained. Besides being unsightly, dead or decaying trees pose a safety hazard that can leave you liable for damages caused. It’s important to understand what is covered by a homeowner’s insurance policy if a tree should fall on your property or a … [Read more...]
4 Ways to Protect Yourself as a Boat Owner
Owning a boat is a lot of fun. It's also dangerous in some instances because of being out on the water. This means you have to protect yourself at all times. There are easy ways to accomplish this. Get Proper Lessons Driving a boat is more than just learning how to steer. You want to get proper lessons so you know how to handle the boat in various conditions. Further, you need to know about how … [Read more...]
4 Things You Didn’t Know Were Affecting Your Health Insurance Premiums
You probably already knew that living a healthy lifestyle, avoiding tobacco, and watching your waistline all have a positive effect on your health insurance premiums. However, you might not have known about these four risk factors that might be affecting your health insurance premiums. 1. Your Job People who work in high risk environments, such as careers with a risk of injury or job sites with … [Read more...]
3 Benefits of a Home Inventory When Buying Home Insurance
When you're getting ready to buy home insurance, you need to consider what's in your home. This is when it's a good idea to conduct a complete home inventory. This is something you could do on your own or hire a company to come and do for you. The benefits are significant and will allow you to get a better policy. Learn What You Have Many people go with a basic home insurance policy because they … [Read more...]
Does My Car Insurance Cover Rental Vehicles?
There are all sorts of instances when you might rent a vehicle. It could be for when you are moving, need to haul large goods to/from your home, or when you go on vacation. Whatever the reason, you need to know whether your auto insurance will cover a rental vehicle. Spending Money at the Rental Counter The moment you rent any kind of vehicle, the people at the rental car counter are prepared to … [Read more...]
3 Important Benefits of Life Insurance
Life insurance can be an uncomfortable topic for many, as thinking about life insurance means thinking about your own mortality. But instead of burying your head in the sand, it's better to be proactive and find the best life insurance policy for your family's needs. Here are three reasons you truly need life insurance: Life Insurance Provides Peace of Mind Once you have a solid life insurance … [Read more...]
4 Easy Ways to Take Good Care of Your Car
Your car is your means of transportation. Therefore you want to take good care of it through the year. Otherwise, you run the risk of it not being there for you when you need it the most. Get the Oil Changed The oil should be changed regularly. Your owner's manual tells you the frequency in which it should be changed. Without regular oil changes, the oil gets too dark and dirty and could damage … [Read more...]
How a Flexible Spending Account Can Help You Pay for Healthcare
In 2011, Americans spent an average of $7,960 per person on healthcare related expenses. This represents more than 17% of the average American income. With healthcare costs on the rise, you might be looking for ways to pay less for medical bills without sacrificing care. Adding a Flexible Spending Account (FSA) to your traditional healthcare coverage can help reduce your medical spending. What … [Read more...]
Why Do Prior Claims Affect My Premium?
Why should a person buy insurance if they can’t turn in claims? And why should my claims affect my annual premium? Isn’t that why a person buys insurance? This is a great question but the answer is more of a technical answer than a person would think. Of course people buy insurance to protect themselves against claims. But what type and size of claims? A good rule of thumb is to pick as high a … [Read more...]
How Much Liability Limit Do You Need for Your Home & Auto?
How Much Liability Limit Do I Need? We get this question a lot and of course it is an excellent question. Unfortunately there is not a good method to determine the answer. No one can tell a client with certainty what limit of coverage they should buy. But here at least are some things to consider in making this decision. Most clients initially do not realize this limit addresses both bodily … [Read more...]
