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When you operate a business from your home, you need to know if it is covered under your homeowners insurance policy. Click for more.

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How Your Deductible Works After An Accident

6 March 2019
 Categories: Insurance, Blog

You can't always plan when you get into an accident. When you get into an accident, your insurance company's job is to fulfill their legal obligation to you. It is their job to get the vehicle towed to an auto shop, assess the damage, and figure out if your vehicle is totaled or if your vehicle can be fixed. It is your job to pay the deductible. #1 Your Deductible Isn't Due the Day of the Accident  
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Do You Need Renter’s Insurance If You Live In An Apartment?

7 January 2019
 Categories: Insurance, Blog

When you own a home, you pick up homeowner's insurance to make sure the house is protected in the event of a disaster or unexpected problem. However, if you are merely renting a place to live, the owner of the dwelling has protection, but your belongings are not necessarily covered. This means that if there is a fire, storm, or another event that leaves your belongings damaged, you will be left paying to replace everything yourself.
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How Car Insurance Companies Determine Premium Rates

24 November 2018
 Categories: Insurance, Blog

If you own and drive a vehicle, in most states, you are required to carry at least a basic level of insurance. As car insurance is essentially a requirement of driving, it is helpful to understand how car insurance companies determine what your premium will be. Each Insurance Company Uses Their Own Formula To Calculate Premiums Insurance companies use complex formulas or algorithms to come up with your insurance premium rate.
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3 Major Reasons Why Your Home-Buying Budget Needs To Include Insurance

4 October 2018
 Categories: Insurance, Blog

 Have you been considering buying a home in the near future? Are you currently making out a budget to ensure that you have everything accounted for? Although most people realize that a house is going to require paying things like the electricity and the water bills, there is one thing that can be easily overlooked when mapping out a budget: insurance. Since it's not always necessary when renting a home, insurance may be easily forgotten by many people But there are a number of compelling reasons why you need to make sure that you have enough money in your budget to cover this.
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4 Ways To Lower Your Home Insurance Premiums

21 August 2018
 Categories: Insurance, Blog

Did you just get your home insurance bill in the mail and have a bit of a heart attack when you saw the total? Home insurance costs tend to creep up on you. But you don't have to go on paying an arm and a leg! Here are four ways to lower your home insurance premium costs. 1. Ask for a quote from your car insurance company A few decades ago, some companies sold car insurance, and others sold home insurance.
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About Me
your home business and homeowners insurance

When you operate a business from your home, you enjoy the benefit of not having to commute to a busy office every single day. One thing that you may not have considered is whether your home business is covered under your current homeowners insurance policy. If you have expensive equipment, inventory and files stored in your home, you may need to add a rider to your insurance policy to ensure that you are covered. Find out more about how a home business can impact your homeowners insurance policy and whether or not you are protected as your policy stands today.

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