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How business insurance can protect against unexpected losses
Business insurance helps you cover expenses when your business experiences interruptions. Just as you wouldn’t open a business without fire and windstorm insurance, it’s important to protect your business operations themselves. Business insurance can cover your lost sales and expenses when unanticipated events cause your business to slow — or make it impossible to do keep…
February 4, 2020
What should you do if you see ants on your car?
Seeing ants on your car can be surprising, but it’s usually not too much to worry about. They’re usually just stopping by for a visit, and they won’t cause any damage that would require you to file a car insurance claim. However, to be safe, you should keep an eye on them. Where do car ants come…
January 30, 2020
Is your roof in insurable condition?
When you buy home insurance, your home needs to be in an acceptable condition so that it’s not too risky for the insurance company. As one of the home’s most important structural components, your roof is a major factor in whether you can get home insurance and what your rates will be. Most roofs last around 20 to 30…
January 28, 2020
Why does your credit score affect your car insurance premiums?
Depending on where you live, your credit score can have a huge impact on your car insurance premiums, or it may not count at all. Here’s why that is and what you can do about it. How do auto insurance rates affect your car insurance premium? A low credit score can raise your car insurance premiums anywhere from 0%…
January 23, 2020
Why isn’t home insurance legally mandated?
For the most part, the only insurance most of us will ever be legally required to buy is going to be liability insurance for our cars. Everything else is generally going to be up to the individual’s discretion. You may be required to carry home insurance by your mortgage lender at first. But once your house is paid off,…
January 21, 2020
What is collision auto insurance and what does it cover?
Collision auto insurance pays to replace or repair a car involved in an accident. It covers damages received in a collision with another vehicle or an object, such as a tree or signpost. Usually, if you finance or lease your vehicle, collision insurance is mandatory. If you don’t owe any money on your car, collision coverage is…
January 16, 2020
How can I bring my home insurance rates down?
The good news about trying to keep your home insurance costs down: The ball is really in your court. You have quite a few options available to you. And, for the most part, it really comes down to the choices you make —not the judgment made by your home insurance provider. Here are a few ways to bring your…
January 14, 2020
How business insurance adjusts to your needs
Thousands of cars are alike. Several homes in the same neighborhood are alike. But no two businesses are alike. Two franchise restaurants will be in different neighborhoods, but they might keep different hours and have different sizes of staff. So, there’s no one-size-fits-all solution to business insurance. If you’re insuring your business, your plan is going…
January 9, 2020
Filing an insurance claim after a hit-and-run accident
Getting into any type of car accident can be scary. But it’s even worse when the other driver flees the scene. The hit-and-run driver’s goal is to try to get away. But if you act swiftly and smartly, there’s a good chance you can have them held responsible. Here are the steps you should…
January 7, 2020
Do you need business insurance to rent an office
If you’re looking to rent an office, you should also look into business insurance. Whether or not you expect to have clients come visit you, it’s still a good idea to protect yourself. And your landlord may require it anyway. Check your landlord’s requirements Many commercial landlords require you to provide proof of coverage before they…
January 2, 2020
