Most homeowners don’t realize how much they actually have until a disaster strikes – loss of valuables from a burglary or damage from a fire. Showing your homeowner’s insurance agent documentation of your belongings can speed up the claims process and ensure you’re fairly compensated. Technology has made this even easier- just a few minutes with your smartphone is all most people need for a home inventory. Read more
While the holidays are a time of family fun, they are also a time for fire and other safety hazards, as well. According to the National Fire Protection Association, there are nearly 47,000 fires a year during the winter holidays. These fires cause more than $550 million in property damages, 2,200 injuries, and 50 deaths. What causes so many of these fires? It’s mainly because of the increased use of candles, fireplaces, and highly combustible decor.
Here are some steps you can take to increase fire safety in your home or business and reduce the risk of a damaging and potentially deadly fire.
You may have been told in driving school that whenever possible to avoid left-hand turns. Based on accident studies over the years, it’s even suggested by some car safety experts to plan your driving routes to minimize or even eliminate left-hand turns. What makes left-hand turns so dangerous?
Have you considered purchasing a surveillance system for your bar or restaurant? You may have thought the cost too high for you to afford. The great news is that surveillance systems cost less than you think. The potential savings to your business could also be more than you think. Read more
When small business owners are looking to cut costs, liability insurance premiums are often one of the first things to go. But while many business owners might believe that they don’t actually think they need it, why you should actually carry small business liability insurance is often misunderstood. Here are 4 points you should consider before deciding whether or not to carry small business liability insurance coverage. Read more
Will buying only the minimum liability auto insurance actually save me money? Read more
Did you know that your credit score can actually affect your auto insurance premiums? While prohibited in some states, more than 9 out of 10 auto insurers use your credit score in order to predict your likelihood of filing a claim. Because of this, a good credit score can actually positively affect what is called an “insurance score.” According to a ValuePenguin study done in March of 2016, a driver with poor credit could pay almost double in auto insurance premiums than that a driver with an excellent credit.
Hint: It’s not overall price.
Whether you’re looking to buy insurance for yourself or your business, or both, you shop around looking for the best deal. There are so many marketing campaigns out there to “help you” by saving money on important policies such as auto insurance, homeowner’s insurance, and various types of business insurance. But the lowest price does not equal the most valuable policy. Read more
Have you or your business been receiving lots of correspondence from insurance carriers? Are these special offers they rave about actually good deals? Turn this annoyance into a learning opportunity and ask your agent about what a good deal on insurance actually is. Read more
If you’re looking for a new vehicle and are looking at saving on your car insurance premiums, there’s one thing you need to know. Safety ratings have a direct effect on your car insurance premiums! Of course, this makes sense, as the safer a vehicle is, the more likely that the overall cost to the insurance company in case of an accident will be lower. This is especially true when it comes to personal injury claims. Read more