When shopping for a vehicle, most people understand that newer, more expensive cars cost more to insure. However, there are many other factors that also determine how much it costs to insure your vehicle. These factors can result in a difference in premium between seemingly similar makes and models. If you’re looking to keep your insurance premiums low, there are a few things to remember, even if you’re c
It’s 5:30 p.m. on Friday, and you are just getting home from work. As you are putting your key in the lock, the only thing you can think about is sitting down and relaxing for the weekend. Unfortunately, as you take the first step into your home all you hear and feel is a “squish” sound beneath your feet. The last thing you ever expected has happened: a water pipe has broken or your toilet has overflowed,
Would your automobile policy provide you with the coverages you may need when renting a car? Rental car contracts vary by different rental companies, potentially leaving you responsible for various portions of the contract if an accident occurs and it’s not covered under your policy. Portions of the contract you could be held responsible for include loss of use (the income the rental automobile would have produced ha
Renters insurance is one of the last things most people think about when they move into an apartment. Most renters do not realize that if there is a problem where they live, they are not covered by the landlord’s insurance. Fire, lightning, theft, roof and plumbing leaks can all damage your personal property, thus the need for renters insurance. In addition, most renters insurance policies also provide coverage for a
Many of us are always working on improvements to our homes. You should consider contacting our agency when you’ve completed a project. These improvements most often add value, and the amount of insurance you carry on your home may need to be re-evaluated. For instance, if you have recently undergone a remodeling project, whether major or minor, this may have an impact on the amount of insurance you want to carry on y
Suddenly, you notice a diamond is missing from your wedding ring, your toddler throws your watch in the toilet, or your bracelet slips off while you are swimming in the ocean. For losses like these, there is no coverage on your homeowners policy. However, if you schedule your jewelry on a personal articles floater attached to your homeowners policy, then there is coverage for many more perils, and all of the above sc
Year after year, studies show that Americans give more to charity than the residents of most other countries. We care about our communities and our fellow citizens, and we express that conviction with our donation dollars. As you look at your legacy and the impact you will leave on others, you may want to consider a charitable donation as an important part of what you leave behind. Life insurance can be a valuable to
If you’re a typical American with a family, chances are you have one or more PDAs, MP3 players, or other electronic media gadgets in your household. Needless to say, these devices can cost several hundred dollars, not to mention the value of the information, songs or other media, and the cost to restore this electronic information if damaged or destroyed. Are you insured? Is insurance really the answer? Mobile
You come home after a long day and the only plan you have for the evening is to have a relaxing night at home. But when you open the front door there is water all over the floor and you hear water running from the kitchen. You forgot to turn off the kitchen faucet this morning! What do you do? Here are some useful tips professionals may apply to help get your home back to normal: Find the water source. Is it clean or