Having homeowners insurance is a must when you own a home to ensure that if anything were to happen, you wouldn’t have to pay completely out of pocket for repairs. However, you need to be sure that you actually have enough homeowners insurance to provide the actual coverage that you need. Here are three ways to be sure that your homeowners insurance policy is providing you enough coverage: Choosing Replacement Cost Insurance: Read More»
Although when you pay off your home mortgage and are no longer obligated to a lender who requires you to carry homeowner’s insurance, your home remains a significant financial asset you may not want to go unprotected. Just because you paid off your mortgage doesn’t mean an unexpected catastrophe can’t strike. By canceling your homeowner’s policy, you are taking on a huge financial risk. But if you aren’t certain what to do, there are several factors to consider when deciding whether to drop your homeowner’s policy or continue it. Read More»
If you are looking for a way to establish credit and you are a young adult, there are a few different ways you can pave the way. Establishing credit at a young age can be hard, but you can create a high credit score and make things easier later on in life. If you are currently living at home with your parents or you are on your parents policies for multiple different things, it may be time to get out on your own. Read More»
Do you want cheaper car insurance? Here are four tricks on how to make this possible: Own the Car To have cheap car insurance, you need to be able to cherry pick the coverage you need. For example, it should be up to you whether to buy collision coverage or comprehensive insurance. However, if you are driving a leased car, then the dealership decides your insurance. Buying a car on loan helps a bit because you will eventually own it one day. Read More»
In today’s economy, most people need to save money wherever they can. Many will look for ways they can cut down on the cost of their car insurance premium, so they look for the cheapest options available. Here are three things you need to keep in mind when shopping for cheaper car insurance. 1. Every state has its own laws regarding minimum coverage - but it may not be enough coverage. Read More»
Suffering a business loss is often financially devastating. Even if you have casualty insurance that provides coverage, paying the deductible can still stress a small business’s budget. While it is often difficult to find a positive in a time of loss, a casualty insurance claim may provide a silver lining when it comes time to file your taxes. The deductible that your business must cover, which may range from a few hundred dollars to thousands of dollars, might qualify as a tax deduction. Read More»
As soon as hurricane season comes along there is always a flood of information about what to do in the case of a hurricane and how to protect your home if one is on the way. Often times people get so wrapped up in protecting their home that they forget about protecting their vehicles. You’ve likely got full coverage on your home, but very few people have replacement cost on their auto insurance. Read More»
You may have overheard some people talk about having their vehicles fully covered by their insurance company. However, what does this mean exactly? Well, in reality, there really is no such thing as full auto insurance coverage. This is because there are so many different coverage options and some of these options may be needed by some and be useless to others. If you want to have as much protection as possible, you will want to sit down with your car insurance agent to talk about all of your options, which will probably include: Read More»
Insurance protects you from the unexpected disasters that can come with life. It’s a financial protection and it can help you rebuild after a disaster. Working with an independent insurance agent can help you save on all of these types of insurance, since the agent will shop several different companies to find the best deal for you. Car Insurance If you own a car, it is the law to carry a minimum amount of insurance to cover any accidents that you may have. Read More»
If you are renting property, you need to get renters insurance. In some cases your landlord will require that you purchase renters insurance. But in other cases, it is your prerogative if you choose to get insurance or not. There are many reasons why you should get renters insurance. Here are a couple reasons: 1. Liability Insurance One of the main reasons you should get renters insurance is for the liability coverage. Read More»