Many drivers are amazed when they discover they do not have the right auto insurance coverage for their needs. Their misconceptions about coverage and options such as policy add-ons could have been avoided if they had taken the time to speak with auto insurance agents. It is customary for individuals to have an agent they work closely with for their needs. However, some individuals may skip this step assuming that it is optional.…
When it comes to life insurance policies, Indexed Universal Life (IUL) insurance stands out for its unique blend of flexibility and growth potential. In essence, an IUL policy offers a death benefit along with a cash value component that can grow based on a stock market index. Here are the various options that come with an IUL policy.
Choice of Premiums
One of the significant attractions of an IUL policy is the flexibility it provides in premium payments.…
For homeowners with a pool, the pool is undoubtedly considered a part of the property. Yet, its proximity to the home structure does not necessarily mean it is covered. Pool coverage can vary significantly between insurance providers and even among policyholders. If you are a pool owner, make certain you understand how pool coverage works to ensure you are prepared.
Other Structure Coverage
If you are in the process of building a pool, a short review of your policy can help you determine if your pool is already covered or if you need to add coverage.…
When it comes to auto insurance, many factors can affect your rates. Everything from your age and driving record to where you live can determine how much you pay for car insurance.
But what about the make and model of your vehicle? Does that have any impact on your insurance premiums? Here’s what insurers consider when it comes to the type of car you drive.
Safety Ratings
The most important factor that insurers will consider when setting rates is the vehicle’s safety rating.…
If you’re spending too much money on your commercial trucking insurance, it’s time to make some changes. Paying too much for your commercial truck insurance can take a big bite out of your operating budget. Luckily, there are ways to reduce your insurance costs. But, you need to take the right steps. Are you not sure how to get your commercial truck insurance rates under control? If that’s the case, read the list provided below.…
You’ve probably poured your heart and soul into starting and running your business, and you might have spent a lot of money on your business, too. Because of this, it’s important to protect your investment with commercial property insurance. If you don’t already have commercial property insurance, you are taking a big risk, and you’ll probably want to take action to be sure that your business is covered. Even if you do have commercial property insurance, you might be concerned that your business isn’t as well protected as it could be.…
If you need to have an official document authenticated, such as a will or deed to a home you’re buying, then you’ll have to work with a notary. They have the ability to certify this document as being authentic, letting you go on with your day as planned. If you’re working with one for the very first time, these tips will help you have a smooth experience with them.
Use a Search Database …
As a motorist, you take on certain liabilities when you get behind the wheel of your vehicle. You must be prepared to handle any consequences if you get into a wreck or cause damage to other people’s property while driving.
You may be unable to cover the expense from these damages out of your own bank account, however. Instead, you can protect yourself from liabilities you may encounter while driving by investing in reliable auto insurance for your vehicle.…
If you currently have a small business, and you are using your personal vehicle for this business, there are a few things you need to be aware of. This is true whether you’re working out of your home or you have a storefront. The following are three of the most important things you should understand.
Your personal auto insurance policy will not cover you
If you’re working out of your home, a storefront, or perhaps your garage, and you are using your car or truck for your business, then you need a commercial auto insurance policy.…
Running your own business may involve taking on certain liabilities. You must mitigate them to prevent your company from losing money or risking its reputation and future.
Part of offsetting liabilities as an entrepreneur involves insuring your company as sufficiently as possible. You may protect it by investing in the right kind of business insurance for it.
Recouping Theft and Vandalism Losses
When you have business insurance in place for your company, you may be able to recoup some or all of the losses you incur from theft and vandalism.…
