When you buy life insurance, you probably have an idea in mind about where you want your policy to go. You might want to use it as a vessel to provide money to loved ones for specific purposes. As a result, you might only want your coverage to last for a certain number of years. … Read more

When you purchase a new car, you are generally issued a requirement by the lender to carry a certain amount of car insurance. This requirement is issued to protect the lender’s investment in case an accident damage the car.  You must carry this insurance for as long as you are financing the vehicle. If you cancel your … Read more

Getting the right Business insurance for your company property might seem challenging, and one of the most critical items you want to protect is your computer systems. Still, you might not know whether your business insurance will cover these expensive and sensitive machines. The good news is it can, but you must make sure you have the proper … Read more

Home insurance has a lot of confusing terminologies, especially when it comes to the types of policies and how you can receive compensation. Replacement cost value, for example, refers to two areas: the total replacement cost value of your home, and a replacement cost value policy for personal belongings coverage.      To break it … Read more

Car insurance policies can look different depending on premiums, deductibles, and coverage limits, but all car insurance policies are designed to cover three certain areas. A full coverage car insurance policy covers:  Liability  Property  Medical   Liability Some policies strictly have liability coverage. This insurance is generally required by state law and limits can change depending … Read more

A certificate of insurance (COI) is an often-used document in the construction world. A contractor or tradesman who is bidding on a job or signing a contract to do work might be posed with a requirement to show a COI. The concept of a COI is simple – it provides proof that the contractor is … Read more

When insuring possessions on homeowners insurance, you have a lot of leeway to choose the limits you want. Yet, the thing about possessions insurance is that your coverage might restrict how much it will pay for items of value, like your electronics. When thinking about the value of these items, take a few extra steps to choose the right … Read more

Business insurance is used in order to protect businesses from lawsuits and other losses that could have a large financial impact otherwise.     Required Business Insurance and Penalties  Business insurance requirements vary by state. Most states require businesses to carry a minimum amount of:  Workers Compensation: Worker’s compensation provides financial assistance for employees that are injured … Read more

In today’s uncertain economic times, people are driving less. They also are trying to save as much as they can on expenses, including their auto insurance. You might feel tempted to let your coverage lapse if you no longer drive. However, that’s the wrong decision. You might face severe financial penalties if you ever let … Read more

Healthcare is expensive and insuring through your employer can often be the cheaper option. There is no mandate stating that you have to purchase health insurance through your employer if you don’t want to, however.      Benefits of Individual Health Insurance  There are many benefits to purchasing your own health insurance plan as opposed to purchasing through … Read more