Entries by Dale Williams

How To Switch Car Insurance

How to switch car insurance? There are 3 steps you should take when switching your car insurance. First, it is always smart to shop around and compare quotes before settling on a new insurance carrier. Second, call your current insurance company to see if they are willing to price match the other quotes you received. […]

SR22 Insurance: What Does It Cover?

SR22: What Is It? SR22 (also known as SR-22, SR 22, SR22 Form), is a vehicle liability insurance document required by most state department of motor vehicles (DMV) offices for “high-risk” insurance policies. SR-22 coverage means that you meet state’s auto insurance minimum requirements for driving and is NOT auto insurance itself. Do I Need […]

Homeowners Association (HOA) Fees

Homeowners Association and HOA Fees HOA, also known as Homeowners Association, is an organization typically founded and put in place by a real estate developer in order to manage a community of houses, condominiums or townhouses. HOA fees are expenses paid monthly by owners to cover the costs of maintaining the building’s common areas. What […]

Top 10 Defensive Driving Techniques

Defensive driving is a term that has become synonymous with ‘safe’ driving. While it is true, utilizing defensive driving techniques will undoubtedly result in safer driving, safe driving and defensive driving are different. Safe driving encompasses things such as: Checking your oil, gas and other gauges prior to driving Not driving while impaired (sleepy, drinking, […]

Ultimate Guide to Credit Card Travel Insurance

Can you count on your credit card travel insurance? The answer is, it depends. Credit cards usually provide trip cancellation insurance, interruption coverage, lost and delayed luggage coverage and travel accident insurance. But sometimes credit card insurance can fall short. For example, trip cancellation coverage may have limited reimbursement regarding hotels you reserved or flights […]

Should You File Auto Insurance Claims?

Welcome to Ben’s Chronicles Hello! I’m Ben from EINSURANCE. Trust me, I know there are plenty of things we’d both probably rather be doing than discussing insurance. But although insurance gets a bad rap, it does have its benefits; especially when you find the right coverage and carrier. Unfortunately, throughout my life I have had […]

When is The Best Time to Buy a House?

Best Time to Buy a House There are multiple factors that can influence you when looking into buying a house, such as pricing, interest rate levels, personal financial situation, etc. In general, prices are depressed around January due to people selling their house at a lower price point and being willing to negotiate. Buyers can […]

Drone Insurance Guide

Drone Insurance Introduction The drone industry has heated up in recent years, the same with accident rates, so drone insurance coverage is a must. Drone insurance acts like any other traditional insurance policy. If you lose your drone or are involved in any accidents, the policy will cover your damage and liability costs to some […]

Dental Coverage – Protect Your Pearly Whites

Welcome to Ben’s Chronicles Hello! I’m Ben from EINSURANCE. Trust me, I know there are plenty of things we’d both probably rather be doing than discussing insurance. But although insurance gets a bad rap, it does have its benefits; especially when you find the right coverage and carrier. Unfortunately, throughout my life I have had […]

Group Health Insurance Plans – All You Should Know

Group Health Insurance Plan Definition Group health insurance plan is employer-provided health insurance coverage for eligible participants or employees. The benefit of group health insurance plans is that it spreads risk across insured employees, which can help keep insurance premiums low. Is Group Health Coverage Required? There is no law requiring small business owners to […]

5 Ways to Save Money on Life Insurance

Life insurance is an important form of coverage. While life insurance policies vary depending on the type of life policy and its coverage benefits, most life insurance policies are set up so that in the event of a person’s death, a sum of money is paid to the chosen beneficiary. There are 3 main types of life insurance […]

Top 10 Car Insurance Rates 2019

Which Top 10 Car of 2019 Has the Best Insurance Rate? Now that we’re well into the new year, and the holiday expenses have been absorbed, car manufacturers have flooded the market with their respective new and improved ‘toys.’ Undoubtedly, each new 2019 model car is far better than last years, and a must have […]

Rental Car Insurance – A Trip to New Zealand

Welcome to Ben’s Chronicles Hello! I’m Ben from EINSURANCE. Trust me, I know there are plenty of things we’d both probably rather be doing than discussing insurance. But although insurance gets a bad rap, it does have its benefits; especially when you find the right coverage and carrier. Unfortunately, throughout my life I have had […]

Cyber Security Insurance for Small Business

Cyber Security Insurance Cyber security insurance (also knows as cyber liability insurance), is designed to protect small businesses against many kinds of cyber attacks, including business interruptions, data breaches, cyber crimes, etc. What Does Cyber Liability Insurance Cover? Many cyber liability policies provide both first- and third-party coverage. First-party coverage pertains to a firm’s direct […]

Am I Covered for Mental Health Treatment?

Mental illness has historically been a very difficult topic to discuss. Not just from a societal standpoint, but from an insurance one as well. It’s been quite taboo to share mental illness difficulties, or trips to the doctor for those difficulties with the greater public. Thankfully, this nuance has gotten progressively better over the years. […]

Mortgage Protection Insurance – What You Need to Know

Mortgage Protection Insurance Mortgage Protection Insurance (MPI), also known as mortgage life insurance, is designed to protect your family from mortgage payments in the event you die or are unable to work anymore. Mortgage life insurance is similar to term life insurance in how it works. Why You Need It? 1. Your family members will […]

Home Sharing Insurance – Do You Need It?

Home Sharing Home sharing is a situation where people share their home, or portions of their house in exchange for compensation. With the rise of companies such as Airbnb, the home sharing business has become increasingly popular. Home Sharing Liability Insurance However, home sharing risks that cause claims are usually not covered by the standard home/renters […]

How Driverless Cars will Impact Your Auto Insurance Rates?

How will Driverless Cars Affect Your Auto Insurance Rates? If two drivers of traditional cars get into an accident, the auto insurance policy of the party at fault will cover the property and bodily damages sustained by the victim. However, when it comes to driverless cars like Tesla, it depends. If you are still able […]