A house fire is one of the worst things that any homeowner can experience, and while you can lean on your insurance company during this trying time, it’s best to do all that you can to lessen the risk of a fire; after all, to make an insurance claim after a fire of any size, you’ll need to pay the cost of your deductible. The good news is that many different types of house fires are preventable and, with a little bit of effort and some simple changes to your home, you can significantly decrease the risk of experiencing a fire. Read More»
If you are like most people, life without a cell phone seems incomprehensible. If you break or lose your phone, replacing it can be expensive. As a result, you may want to consider buying insurance. When you buy a new cell phone, your carrier will offer you cell phone insurance. The monthly amount may be small, but it adds up over time. For many people, the cost is not worth it. Read More»
Owning a motorcycle can be a fun and freeing experience. When you purchase a bike, you need to be sure to get motorcycle insurance on the bike before you start riding it. Motorcycle insurance is different from car insurance in many ways. The guide below walks you through a few things you need to know about motorcycle insurance.
Only Individuals with Motorcycle Licenses Can Operate the Bike
When you insure a motorcycle, all authorized driver’s for the bike must have a valid motorcycle license. Read More»
Being able to remain independent is sure to be high on your list of priorities. The best way to do so and allow you to get around town is by having a vehicle. However, you will want to keep the right amount of coverage in your car at all times. Auto insurance expenses can add up and finding effective ways to lower yours is sure to be ideal.
Tip #1: Drive less Read More»
If you are planning to purchase a home, it is important to have an idea of the full monthly amount that you can afford to pay for a mortgage. However, it is also important to estimate the cost of other essential expenses, such as homeowners’ insurance. There are multiple factors that will affect the cost of your home insurance. Here are a few of them:
The Cost of the Home Read More»
Car accidents do not always involve crashing into another car; there are also cases of non-crash injuries that result in substantial injuries. Many people don’t know whether their Personal Injury Protection (PIP), Medical Payments coverage, or underinsured/uninsured motorist coverage would settle their medicals bills if injured with non-crash injuries. Here are four questions that are likely to determine whether you receive compensation for such injuries:
What Were You Doing?
In most cases, you will be compensated if you were using or servicing the car, and your injuries aren’t self-inflicted. Read More»
Being a homeowner comes with a lot of extra expenses. Many people fail to recognize just how much money they will put into their home when they first buy a house. However, in attempts to save money, you should never opt out of homeowners insurance. Yet, just because you should carry property insurance doesn’t mean that you have to go broke to pay for it. There are many things that you can do to lower your premiums while still getting great insurance. Read More»
Most states require that you show proof that you have auto insurance before you can legally own a vehicle. The reasoning is that if you own a vehicle, you must be able to prove financial responsibility if you are involved in a motor vehicle accident. If you are considering not carrying auto insurance, understanding how insurance coverage and vehicle registration go hand in hand may help to change your mind. Read More»
Seniors that are looking for insurance may be torn between funeral or burial insurance versus more traditional term or life insurance. It may help to know exactly what burial insurance is, and that it typically has a lower cash value than conventional life insurance policies. Burial insurance policies generally are worth less than 25k, and are intended to take care of final wishes and funeral costs at end of life. Term life insurance, on the other hand, may have a higher cash payout and could build capital so that policy-holders can borrow on it. Read More»
Little black boxes have been promoted as a great way to save money on your car insurance. They monitor your driving, so you get a quote based on your personalized driving rather than the standard for your gender, age group and experience. Is this the best type of car insurance for you, though? Here are three factors to consider.
1. All Driving Is Monitored
If you regularly share your car with someone else, both of you will be monitored. Read More»
