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How to Calculate Homeowners Insurance and Save Money on Your Coverage

After weeks of searching through listings and going back and forth with agents, you’ve finally settled on a price for your dream home. You are almost at the finish line! The next step is to protect your investment with homeowners insurance. But exactly how much coverage should you get? The cost of homeowners insurance can […]

Liquor Liability Insurance – Do You Need It?

Liquor Liability Insurance – What Is It? From fine dining restaurants to the corner liquor store, certain businesses need liquor liability insurance, which covers legal fees, settlements, bodily injury medical costs, and property damage caused by an intoxicated patron who was sold alcohol or was served liquor by the policy holder. Businesses that need liquor […]

Surety Bonds for Small Businesses

Surety bonds are essential for small businesses hoping to do business with federal and state governments. They’re also common in the worlds of construction and finance. The point of surety bonds is to guarantee a small business completes the job they’re contracted to perform, and to protect the customer of a transaction. For instance, let’s […]

Car Insurance for Seniors

Most auto insurance companies charge higher premiums to insure older adults. If you’re reading this article because you’re a mature individual hoping to understand why car insurance for seniors comes at a higher price, and what you can do to lower that price, you’re in the right place. Today, we’ll cover car insurance topics for […]

How to Shop for Car Insurance

How to Shop for Car Insurance and What Kind to Get Buying car insurance can be easy on one hand, sometimes difficult on the other. All the choices you have and the decisions you need to make tend to make it all seem a little confusing. But once you get to know the process you […]

Comprehensive Insurance – All You Need to Know

Auto insurance is complicated. Today, we’ll cover the basics of comprehensive insurance for cars, trucks, motorcycles and SUVs, with the general consumer – or non-professional driver – in mind. While the concept of comprehensive insurance for autos stays the same regardless of what you do with a vehicle, business owners, CDL drivers and livery operators […]

How to Choose Your Car Insurance Deductible

How to Choose the Right Car Insurance Deductible Someone “in the know” tells you to go for a smaller deductible on your auto insurance policy while another says you should pay a higher deductible in order to lower your lower your premiums. Which will you choose? What Is Car Insurance Deductible? The deductible on your […]

How to Buy Health Insurance

Health insurance in the US has undergone a massive overhaul. Before President Barack Obama’s Affordable Care Act of 2010 (also called “Obamacare” and ACA), health insurance was not standardized. Every insurer offered different benefits and prices, as they saw fit. Also, before the ACA, health insurance companies had the ability to decline your application if […]

Collateral Protection Insurance: What You Need to Know

Remember the first new car you ever bought? Maybe you were told you needed proof of insurance before you drove the car off the lot. The fact is, insurance is required for all drivers, though details can differ depending on the state you live in and the insurance you select. What is Collateral Protection Insurance? […]

Long Term Care Insurance Alternatives

Alternatives to Long-Term Care Insurance First, we carefully prepare financially for our retirement. And then there’s long term care to plan for. About 70 percent of people turning 65 today will need long term care at some point in the future, according to the U.S. Department of Health and Human services. Long-term care insurance covers […]

How to Prepare for Flu Season

The “flu season” occurs in the US every fall and winter. Per the Centers for Disease Control (CDC) the best way to prepare for flu season is to get an annual influenza vaccination. Today, we’re going to talk about all the ways to prepare for flu season. We’ll cover everything from cough etiquette and hand […]

Car Repair Insurance – Is It Worth It?

The concept of car repair insurance is relatively new to the insurance world. Sometimes you’ll hear it called “car repair insurance,” but some insurers call it “mechanical breakdown coverage” or “MBI.” All those terms are interchangeable. Not every auto insurance company offers repair insurance, and not every vehicle owner needs it. Today, we’ll take a […]

The Best Home and Auto Insurance Bundles

The best home and auto insurance bundles combine excellent coverage with great pricing. Today, we’ll explain home and auto insurance bundles for first time homebuyers or other individuals with limited insurance experience. If you’ve arrived at this page because you’re seeking a home and auto insurance bundle quote, click here. Otherwise, we will answer all […]

How to File a Business Insurance Claim

One thing that 2020 has taught us: expect the unexpected. For small businesses, when the unexpected happens, business insurance can be an invaluable ally. Surveys have shown that 40 percent of small businesses file claims against their insurance policies. Businesses can face events such as: Catastrophes like hurricane, flood, and wildfire Theft of merchandise, products […]

Health Insurance Options for Non-Profits

Nonprofit Health Insurance Options Health insurance costs money. So how do not-for-profit organizations afford to offer it to their employees? There are some very good reasons employers of any kind are likely to get a boost for their business by offering employees health care coverage benefits. Health insurance is at the top of the benefits […]

5 Ways to Save on Small Business Insurance

2020 has been a bizarre year for small businesses. Entrepreneurs and small business owners stood proudly in the face of a pandemic, held our collective breath during a historic election, and learned a whole new way of living and working. The economy has changed. Research by McKinsey proves what we already suspected: consumers are behaving […]

Insurance for Delivery Drivers

The huge potential for delivery services has been made even more apparent during the COVID-19 pandemic. The virus first made its way into American communities in early 2020; since the lockdown measures took place in March job loss has grown exponentially. And the delivery gigs that had taken hold before the pandemic claimed an important […]

Contents Insurance Coverage – What Does It Cover?

Contents Insurance – What Is It? When you insure your home, you’re also insuring most of the stuff in the house and on the property. A segment of coverage, contents insurance is also known as personal property coverage. It helps pay for repairing or replacing personal items that have been damaged by a fire or […]