The best time to learn about what’s included in a basic homeowners insurance policy is before you have a claim. We’ve gathered the answers to the most common “Am I covered if...” questions about your homeowners insurance policy to help you to minimize any coverage surprises. Typically, coverage does not apply to [...]
Q: If a friend drives my car, is he or she covered by my policy? A: Since most insurance coverage is connected directly to the car, if someone else borrows your car occasionally, he or she should be covered under your policy. Yet, your premium is based on both your vehicle and the “primary” [...]
Don't Let Life Get in the Way of Your Insurance Needs As we age and reach different milestones in our lives, our insurance needs change. In order to ensure adequate coverage, contact your insurance broker if you’re affected by any of the following life events: New homeownership— Purchasing a new home [...]
Insurance Considerations for Newlyweds Choosing insurance may not be as romantic as deciding where to go on your honeymoon, but it is one of the most important things you can do as newlyweds. Although most couples are aware of the need to readdress their insurance needs when they get married, there is a [...]
Understanding Life Insurance Terms Like many industries, the world of insurance has its own unique set of vocabulary to describe its products. To help you understand the information included in a life insurance policy, we’ve gathered some basic terminology in this easy-to-reference overview. Beneficiary: The person or party named by the owner of a [...]
10 Ways to Save for Retirement 1. Know Your Retirement Needs - Retirement is expensive. Experts estimate that you’ll need about 70% of your pre-retirement income (90% or more for lower earners) to maintain your standard of living when you stop working. 2. Find Out About Your Social Security Benefits [...]
Named Storm Deductibles The heavy rainfall, high winds and storm surges associated with hurricanes and other intense storms can devastate any home, even those located hundreds of miles off of a coast. And, because these storms have the potential to cause tens of billions of dollars in damage, insurance providers generally use special, [...]
What Factors Affect Car Insurance Premiums? If you’ve ever wondered why your auto insurance premium differs from what your family and friends pay, it’s because auto insurance policies are not one-size-fits-all. Factors like your personal driving history, how often you drive and where you live can all affect the cost of your auto [...]
If a Tree Falls Who Pays? Every year, storms are responsible for felling countless trees and limbs. Unfortunately, some of those fallen trees damage homes and other property. Cleaning up the damage from a storm can be a difficult task, both physically and emotionally, and things can become especially tense when you discover [...]
The Value of Benefits for Employers Remaining competitive in the hunt for the right job candidates who will propel your business to success is a struggle. Once you find the people you need, you have to convince them that your company is a better place to work than your competitors. A strategic, quality [...]
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