Why As A Contractor You MUST Be Insured And Why You Should Always Have Proof For Customers

Insurance Blog

Contractors are often promoting their businesses as "bonded and insured." In some states, contractors cannot work unless they are insured. Contractor's insurance is specific to this line of work and this type of business. If you are a contractor, you should always have current proof of insurance. Here is why contractors must be insured, and why you should always show your contractor's insurance card to see proof of insurance before you begin any job.

18 September 2019

How To Protect Your Home From Carbon Monoxide Poisoning

Insurance Blog

If you like feeling safe by having insurance coverage for all your potential risks, you probably have a homeowner's insurance policy in place right now. This type of policy will cover you from all kinds of potential perils that could cause damage or harm to your harm, belongings, or family members, but does your policy cover the costs of carbon monoxide poisoning? This is an area with insurance that may or may not be covered, but instead of worrying about the coverage you have for this, you should take all the necessary steps to protect your home from this type of poisoning.

8 August 2019

Who Should Buy Flood Insurance?

Insurance Blog

Standard homeowner's insurance doesn't include coverage for flood damage. You must buy flood coverage separately if you want compensation after flood damage. Here are some of the circumstances that mean you need flood insurance. You Live In a Flood Area If your area has suffered floods in the past, there is a real risk that it might suffer floods in the future. Thus, the flooding history of your area should be your biggest consideration, when deciding whether to buy flood insurance.

3 July 2019

What You Should Know About Home Insurance And Wear And Tear On A House

Insurance Blog

When you are a homeowner, you probably realize that having homeowner's insurance is a necessity, but you might not understand exactly what your policy covers. One question some people have about home insurance is whether it covers wear and tear on a house. Wear and tear is something that is normal with homes, and there are several things you should understand about your home insurance and wear and tear on your home.

27 May 2019

5 Reasons It May Be Time To Review Your Homeowner's Insurance

Insurance Blog

If you want to protect yourself against financial liability and loss, then you need to ensure that you have adequate homeowner's insurance. To ensure that you are always adequately protected, you need to review your policy coverage at least once a year. Here are a few reasons why you may find it necessary to review your coverage more than once annually. Reason #1: You Have Acquired Additional Personal Property If you have recently purchased high-quality, expensive, or new furniture, collectibles, artwork, or other items since the last time that you reviewed your insurance policy, it is a good idea to brush up on your coverage.

22 April 2019

Homeowner's Insurance: Wants -Vs- Needs

Insurance Blog

To a new homeowner, trying to find a homeowner's insurance policy can seem like an overwhelming task. There are so many different options, it is sometimes hard to distinguish between what you want, what you need, and what you can afford. What You Want. Sometimes homeowner's are a little overly suspicious about potential calamities that could be the downfall of their home. If asked what type of coverage they would prefer before looking at the pricing options, most homeowner's respond that they will need earthquake and flood insurance, as well as coverage for most natural disasters.

24 February 2019

Moving To A State With No-Fault Auto Insurance? 3 Things You Need To Know

Insurance Blog

Auto insurance is not the same in all fifty states. About a dozen states have "no-fault" insurance systems. No-fault insurance systems can be a little confusing if you come from the vast majority of states where when it comes to getting paid for damages after an auto accident, it is all about who is at fault. #1 No Fault = Personal Injury Protection When it comes to actually looking at your insurance policy, no fault insurance is actually covered under the personal injury protection section of your insurance policy.

29 December 2018

4 Ways To Lower Your Car Insurance Prices

Insurance Blog

It is likely that your state requires you to have car insurance. Most states do. If you are looking for car insurance, but you are worried about affording it, there are ways that you can get the insurance you need while still saving money on it.  Bundle It You've probably seen it on all the commercials, but it's true, bundling your insurance is one way that you can save money on both your car insurance and your other insurance policies.

15 November 2018

3 Reasons To Use An Insurance Aggregator When Shopping For Car Insurance

Insurance Blog

Shopping for car insurance can be done in a few different ways. One popular way is to look online. Instead of going straight to each company's website, though, you may want to try an insurance aggregator that works with several different insurance companies to provide quotes and insurance information. Many drivers find that this is the ideal way to shop for car insurance. 1. Avoid Entering Your Information Over and Over Again

28 September 2018

Defense Base Act Insurance: What It Is And How It Works

Insurance Blog

Defense Base Act (DBA) insurance is a program in the United States Department of Labor for employees of defense bases overseas. It is an extension of the country's Worker's Compensation program. Any worker that is injured while doing their job will receive treatment and monetary compensation if necessary. Which type of employees can receive DBA insurance? In order to receive the Defense Base Act insurance, you must be employed at certain places.

8 August 2018