If you’re a small business owner, a generic protection plan may not be the right insurance policy for you. Though most businesses require approximately the same type of coverage – such as umbrella insurance, property insurance, and commercial auto insurance – there are some industry-specific concerns that need to be covered. Here are some of the core benefits of industry-specific insurance.
Investing the Right Amount in the Right Policies
Though most businesses need the same approximate type of insurance, the amount of insurance they need in specific policies will vary by industry. Read More»
If you own your home, you are likely concerned about keeping it as safe as possible. Even if you have home insurance, safety should be a primary concern because many homeowners are targeted for criminal activity such as break-ins. This type of activity on your property might result in higher insurance premiums. The following are a few affordable ways to make your property safer.
Lighting
Criminals might be more prone to try to break into your home if it is not well lit during darker hours of the day. Read More»
After a DUI, it’s fairly common for a license to be suspended. Unfortunately, a suspended license can mean that you cannot work or take care of your family. There are ways to recover your license after a DUI, but they require quite a lot of work. Here’s what you need to do.
Apply for a Limited License
A limited license can be applied to in a situation in which not having a license could cause undue hardship. Read More»
Homeowner’s insurance is a necessity for anybody who owns a house, even if those homes are rented out. If you have a homeowner’s insurance policy, it is essential that you read it over carefully to ensure that you are getting the most coverage available. You could be missing the fact that homeowner’s insurance often fails to cover these types of damage:
1. Does your insurance cover natural disasters?
While most policies do cover damage caused by lightning storms and tornadoes, earthquake insurance is typically available only via a separate insurance policy. Read More»
If you were recently convicted of driving under the influence (DUI), driving while intoxicated (DWI), or another serious driving offense, then chances are you’ll need to file an SR-22 with your auto insurance provider. You might’ve heard plenty of stories about insurance companies kicking their customers to the curb after they tried to file an SR-22 with them.
The following talks about how your auto insurance provider will likely handle your need for an SR-22. Read More»
Auto insurance may be a mandatory thing in most places, but this one service that highly relies on trust and faith between you and your insurance carrier. Insurance providers have guidelines in place which mean that they have to ensure that you are a reliable and trustworthy customer, because otherwise, you could be deemed too big of a risk for them to provide coverage for. Even though insurance policies on your vehicles can be cancelled for several reasons, there are a few common mistakes customers tend to make with their policy the most often. Read More»
If you’re getting insurance for your business, you may be a bit confused. Commercial insurance operates very similarly to residential coverage, but there are some subtle differences. You need to make sure that you have the protections in place that can protect your business. Use this information to learn more about two must-have riders to include in your policy to make sure that you bind a policy that offers you the best possible coverage. Read More»
Road trips can be a great way of seeing the country while saving on airfare and related travel expenses. But it takes a little bit of planning to do a road trip successfully while staying safe. Here are some things to keep in mind while planning your road trip.
Invest in Comprehensive Auto Insurance
The start of a road trip is a great time to review your auto insurance coverage (with companies like Horgan Insurance Agency) and make sure that you’re not taking on too much risk. Read More»
Who would think that buying a house could get you lower auto insurance premiums? It may sound a bit crazy, but according to a recent Consumer Federation of America report, renters pay more for auto insurance each year than people who own their homes, particularly on the cost for liability insurance. Even though it may seem unfair, it’s important to understand why you may be paying more for auto insurance if you rent your home, as well as what you can do to about it. Read More»
It’s a big accomplishment for your teenager to receive his or her driver’s license, but until the teen also gets his or her own auto insurance policy (from an outlet such as http://www.martininsurancecompany.com), you need to be sure that the teen’s actions while behind the wheel don’t impact your policy in any way. It’s one thing for the teenager to be in an accident — but another thing entirely for him or her to engage in some form of unsafe driving and receive a ticket that could impact your insurance rate if it occurs frequently enough. Read More»
