do you really need the extra insurance?

  • How Your Home's Age, Materials, And Condition Can Affect Your Premiums

    11 May 2017

    When you purchase home insurance for your house, the insurance company will base your premiums on a lot of different factors. While there are some you can control, there are other factors relating to your house and area that will affect your rates that you have no control over. Here are some of the factors relating to your house that may affect the amount you pay for your home insurance coverage.

  • Frequently Asked Questions About Excluding Drivers From Your Auto Insurance Policy

    4 March 2017

    If you are looking to purchase a new auto insurance policy, you may not realize that auto insurance companies can all log into a centralized database where they store customer information. One thing stored in this database is the information about who may live at certain addresses. If you are signing up for a policy, one of the questions your auto insurer may ask is whether you wish to exclude a certain driver who lives at the same address as you.

  • 3 Tips For Insuring A Historic Home

    19 September 2016

    A historic home can be a great place to live. Instead of being a blank slate, your home will have a unique personality of its own. There may be local history or even famous historic figures associated with the property, which can be a fun conversation starter. However, taking care of a historic property also comes with a unique set of challenges, which is something that you will need to consider when looking for insurance for your historic home.

  • Things You Should Know Before Canceling Auto Coverage During Your Divorce

    2 July 2016

    While you probably already thought about your bank accounts and household possessions when you decided to file for divorce, one of the things you may not have considered yet is how you're going to handle your cars and their insurance. You might think that you should just call and have your ex removed from your auto insurance immediately when you move out, but there are a few things that you should think about before you take any action.

  • Septic Tank Or Sewer Failure? What Coverage Will Your Insurance Provide?

    20 April 2016

    Dealing with backed-up drains, low water pressure when flushing toilets, or -- worst of all -- raw sewage in your yard can be a thoroughly unpleasant experience. Finding out you'll need to shell out thousands of dollars to get your home's plumbing back into working condition can be even worse news. In some cases, you may not even be able to rely on the coverage of your homeowner's insurance policy to protect yourself from a major unanticipated expense.

  • How Having An SR-22 Affects Your Auto Insurance

    4 April 2016

    In the aftermath of a conviction for DUI, DWI or driving without insurance, you may be required to carry an SR-22 (also known as a "certificate of financial responsibility") as a condition of maintaining your driving privileges. Having an SR-22 on file can bring quite a few changes to your current auto insurance policy. The following highlights these changes and explains how they can affect your insurance. You May End Up Paying Higher Premiums

  • 4 Workers' Compensation Claim Mistakes Construction Workers Make

    31 March 2016

    The construction industry is fraught with risks and hazards, so it's unsurprising that thousands of workers suffer serious injuries in the United States every year. In fact, construction is the most dangerous industry in America and accounts for 20 percent of all work-related fatalities. If you suffer an injury while working in the construction industry, workers' compensation insurance is there to help you cope with the costs of any medical treatment or time off work, but some workers fail to realize the benefits of their insurance policies.