If you just bought a new house, then you will need a good homeowners insurance coverage plan to keep your investment safe. There are many different policies to choose from, and you will need to find the best one for your situation. For example, any home located on the coast should have flood and storm insurance. This will keep your mind at rest knowing you will be safe and not forced to pay out of pocket in the event of a natural disaster. (more…)
Buying a home may be the single largest purchase you ever make. Here are the top five reasons why contracting homeowners insurance to protect your asset is a smart investment.
1. Protection from Loss Caused by Natural Disasters
Whether caused by a tornado, fire, high winds, or a hurricane, damage to your home and its contents is covered by homeowners insurance. These days, we hear about devastating natural disasters on the news all too often. If a natural disaster occurs, you will have protection from catastrophic (more…)
Owning a business can be gratifying and profitable. However, without insurance, unexpected losses can result in havoc, worry, and financial loss. Commercial insurance policies for a business should include coverage for the property of a business, coverage for liability claims made against a business, and workers’ compensation coverage to protect the employees and the employer.
The property of a business can include things like autos and buildings. It can also include expensive machinery, tools, and computers. The loss of assets can cripple the ability of a business to continue operating. This can result in a loss of revenue or income. Even worse, a business may lose a share of its market as customers search elsewhere for goods and services. (more…)
Many people view their pets as important members of the family and with advances in veterinary medicine pets are now living longer. Veterinary specialists can range from ophthalmologists to oncologists and can keep your four-legged family member living a long and healthy life.
Along with advanced treatments in veterinary medicine comes an increase in the cost of veterinary care. An unexpected pet injury or illness can cost thousands of dollars and pet owners must often consider cost when weighing treatment options for their pets. Many people worry that they may have to choose euthanasia over treatment because they are unable to pay high veterinary bills. (more…)
Most teen drivers are overwhelmed with joy when they first obtain their driver’s license. Unfortunately, the parents are often left with the burden of obtaining car insurance. Although the insurance premium for a new driver is typically more expensive, the total cost can be reduced by taking the proper steps. Here are some of the most important steps for adding a young driver onto your auto insurance policy. (more…)
In a bid to save money, many opt to skip carrying auto insurance. Now, it is true, there is a cost to carry insurance for a vehicle. However, it is not smart to drive uninsured and here are three consequences of not carrying auto insurance.
Fines and penalties
Some people may be able to get away unscathed without carrying insurance. However, over time, the majority of people will, inevitably, get caught. When pulled over by the police or dealing with anyone in law enforcement, a person will have to provide proof of insurance. When a motorist does not have this, he or she will face steep penalties and other severe problems. (more…)
Each year, thousands of homes are damaged to the extremely forceful winds of a severe storm. Although the powerful effects of nature cannot be prevented, proper preparation will help to minimize the amount of destruction. A wind mitigation inspection may prove to be very beneficial for homeowners that live in areas that are prone to tornadoes and hurricanes. Here are some of the key advantages of having wind mitigation inspections.
Lowers cost of insurance
A wind mitigation inspection can definitely help to reduce the cost of homeowner’s insurance. In some instances, the inspection can curb the total cost of an insurance premium by more than forty percent. Insurance companies are willing to provide substantial savings to homeowners that have installed extra wind mitigation features onto their residence. (more…)