It’s officially that time of year again when the kids return to school. We thought we’d write a little bit about drop-off etiquette that will help you plus everyone around you stay safer. Here are some tips to help make the process of the drop-off more streamlined and keep you away from fender benders in the car.
Arrive a little early: Coming just a few minutes earlier will help avoid any rushing in the line that could potentially cause frustration and even an accident.
You wouldn’t hastily buy a motorcycle, so you must take the same care when purchasing motorcycle insurance for your bike. You want coverage that best fits your needs. Similar to auto insurance, most states require liability insurance on your bike. But, if you want more here is some information to help get you started on your coverage journey.
Read MoreNow that you understand how insurance can help protect your assets and how to file a claim, what are the steps involved if something does go wrong? How do these insurance claims work? Each type of insurance will have a slightly different process but there are several similarities across the board. In a nutshell, you’re filing the claim to get compensation to cover the losses involved. It’s important to note here that if you haven’t met your deductible throughout the year, you will be required to pay that first. It’s crucial to know what your deductible is as you want to make sure that damages are over that number.
Read MoreOur assets are exposed to risks every day. Our homes, our cars, jewelery, and even our lives. Insurance helps protect your personal assets from costly damages in the event of unforseen circumstances. Having a risk management plan for your personal assets as well as business, if you own one is crucial for your peace of mind and financial stability. Without one you could very well end up in a sticky financial situation that may even put you into further debt. Here’s how it works. Policyholders transfer the risk of financial losses to an insurance company in exchange for the payment of a premium. Some example of asset protection through insurance are:
Read MoreIt’s important to consider pet insurance when your pet is still young and healthy. Large vet bills can pile up and not just when your animals get old and emergencies can happen at any turn even with young pets. Do you have enough savings to cover a potentially expensive vet bill? It can give you peace of mind but don’t wait until they’re old and having health issues. It’s also not a good idea if you have the money to cover their vet bills and want to take the financial risk. So, after you consider these factors how do you know which pet insurance plan is the best for you and your animal? Here is a list of the different coverage options.
Read MoreWe all know that your age, driving experience, and claim history all affect your car insurance. But what about your credit and does it just affect your auto policy? Well, in short, the answer is no. It can affect your homeowner’s insurance and life insurance rates as well. Statistics show that someone with higher credit scores is more likely to pay their premiums on time and less likely to file claims. Good credit is something that insurance companies are looking for when assessing someone’s policy costs. However, these insurance credit scores work somewhat differently than FICO credit scores.
Read MoreWhen we all think of insurance it’s usually those big name companies that come to mind, such as Progressive or Allstate. These larger companies saturate the market and yes, they can be very reliable with years of experience under their belts. However, that doesn’t mean that they will be the best option for you and your insurance needs. This is where someone like us comes in. One of the benefits of working with an independent insurance agency like us is that we shop many insurance companies to find the best policy fit for you and your family. Aside from this, there are other benefits to hiring an insurance agent for your insurance needs.
Read More1. Flexibly: we’re right on top of things and not bogged down with operational nonsense.
2. Transparency: we’re up front about costs and potential risks
Read More1. What is my deductible? This will be your out of pocket costs when filing a claim.
2. What is my premium? Your premium is the amount you will pay for the policy. It’s important to know how much you will owe on a monthly basis.
Read MoreFlood insurance is important to have, especially if you live in an area that is prone to storms. That being said, it’s still crucial to understand how you can avoid having to file a claim. Here are some of our indoor flood prevention tips.
Read MoreWhat is umbrella insurance?
Umbrella insurance is extra insurance that provides protection beyond existing limits of homeowners, auto and watercraft insurance policies. Can cover injuries, property damage, some lawsuits and personal liability in certain situations.
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