Homeowners insurance is not legally mandatory; you don’t technically need coverage to own a home. Generally speaking, it’s only a requirement if you have a mortgage loan on your property or if you’re the owner of a co-op or condominium. That said, your home is undoubtedly one of your most valuable assets. Homeowners insurance offers […]
Teen car insurance tends to be more expensive than coverage for older drivers. Teenagers have less experience on the road and they’re more prone to driving distractions, so an increased premium is to be expected. Or is it? Actually, there are several ways to bring down the cost of teen car insurance. For more affordable […]
Business insurance is essential, no matter the size and scope of your company or the industry in which you operate. Coverage provides you with financial security, limits your liability and helps ensure that your business can continue to grow. And, in some cases, insurance is required by law. No matter how successful your company may […]
A standard home insurance policy provides protection against financial loss resulting from certain perils, including fire, theft, falling objects and accidental damage. Independent agents customize insurance plans to meet each individual homeowner’s needs. However, most standard policies include four fundamentals – coverage for the structure, personal belongings, liability and additional living expenses. For more details […]
An independent auto insurance agency has no particular allegiance to any single carrier – the agents work for you. Direct writers, on the other hand, work for an insurance company. While both independent agents and direct writers share the goal of providing customers with insurance coverage, choosing an agent to provide your coverage offers a […]
Life insurance gives you the peace of mind in knowing that your family will have financial security when you’re not around – so, making the decision to get coverage may be an easy one. What’s not so easy, however, is deciding whether to buy term or whole life insurance. If you’re new to the world […]
Shopping for the right car insurance policy – one that offers maximum coverage at the minimum price -- isn’t nearly as fun as shopping for the perfect vehicle. But if you take the time to carefully consider your options, you can get the protection you need without breaking the bank. You may be tempted to […]
Your home insurance provides protection for what is arguably your largest investment, so you definitely want to have a comprehensive policy. But, even so, who wouldn’t like to save a little money, as long as it doesn’t compromise your coverage? You can shop around and compare rates but what if you could save even more while making […]
Small-business insurance protects your company from financial risk, allowing you to pursue your passion and grow your organization with confidence. Unfortunately, the question we hear too often is, “Does my small business need insurance?” All businesses need insurance, even entrepreneurs and micro-businesses. More accurately, the question should be, “What type of insurance does my company need […]
The difference between an insurance agency and an insurance company or carrier is a source of confusion for many consumers. And because the answer isn’t completely black and white, the distinction can become a little blurry. But perhaps more important, consumers want to know if one is better than the other for providing the coverage they […]
