The last thing you want to think about when you are getting married is insurance, but as the big day draws near, you will be soon combining your assets and your risk – and your insurance policies should reflect that. Often, once you are married, you may enjoy the benefit of lower insurance premiums thanks…Read more
Adjust Homeowners Insurance for Increased Construction Costs
The cost of buying and installing home building supplies is going through the roof, and it may leave you without enough insurance to rebuild should disaster strike. Lumber and other construction material prices have skyrocketed, and so has the cost of labor as the building industry struggles with a manpower shortfall. These issues are adding…Read more
7 Ways to Reduce Your Homeowner’s Premiums
Everybody wants to save money on their insurance premiums. If you own a home, you actually have a number of options for getting discounts on your homeowner’s coverage. There are some obvious ways, like installing fire-resistant siding and smoke detectors in the home. You can also get discounts if you purchase your car insurance from…Read more
Benefits of Combining Your Insurance with One Company
There are huge advantages to combining your auto and home insurance with a single company. The biggest and most direct benefit is getting a multiple-policy discount. However, it goes beyond that, and the advantages can work in your favor. Let’s look at the numerous variables on why this really works to your benefit. Discount The…Read more
Review Insurance When Having a Baby
Expecting a baby is one of the most joyous experiences in life. As you prepare your nursery, don’t forget to talk to your insurance agent to make sure your coverage reflects the change in your growing family. Below are a few pointers. Health insurance Before your baby is even born, review your coverage and make sure you…Read more
Insuring Your Home – Replacement Cost vs. Market Value
Unfortunately, disaster can strike at any time. No one is immune to the threat of losing his or her home due to any number of possible hazards. But a recent survey found that most homeowners are seriously underinsured. Marshall & Swift/Boekh, a leading insurance data services company, found that 66 percent of homeowners had inadequate…Read more
What Renters Need To Know About Insurance
Since most homeowners are also mortgage holders, they are required to have home insurance. However, most renters are not required to purchase renter’s insurance according to the terms of a lease. They face many of the same risks as homeowners. Although renters do not have to pay for the actual structure that is rented, they…Read more
Does Homeowners Insurance Cover Water Damage?
What does my homeowners insurance cover? Water is known for penetrating structural cavities and creating growing pockets of saturation without the knowledge of the homeowner. Unfortunately, it often requires sophisticated tools and technology to find the source of such water damage. If the moisture remains undetected, it causes damages that eventually lead to an expensive…Read more
Why Insurance Rates are Increasing
We are often asked why are insurance rates increasing? I didn’t file a claim or get a ticket. Insurance premiums are a function of these factors: The perception of future risks, recent catastrophic claims and the return available on investment. Huge fires and other disasters factor in, such as the Colorado Springs blazes earlier this…Read more
Landlords May Be Legally Liable For Tenants’ Injuries
One of the risks from being a landlord is that tenants or visitors to the premises may get injured. Injuries may result from factors out of the landlord’s control. However, in some cases the landlord may be legally liable for accident. Negligence A landlord is legally liable for a tenant’s or visitor’s injury if he…Read more
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