October 15, 2016
AgencyGet married, save on car insurance
Did you know that taking 15 minutes to get married could save you at least 15% on your car insurance? According to a report, a 20-year old married woman pays an average of 22% less for car insurance than her single counterpart. And a married 20-year-old man pays 20% less than his single friend of […]
October 8, 2016
AgencyTimes When Life Insurance May Cost More
You probably need life insurance. Lots of people do. If you have small children, a mortgage, a spouse who’s dependent on your income—or any person who would be inconvenienced financially if you were hit by a bus tomorrow, you probably should have life insurance. Experts generally recommend buying 10 to 20 times your annual income […]
October 1, 2016
AgencyWomen And Long-Term Care Insurance
In recent months, major insurers have adopted “gender distinct” rates for new coverage. Translation: If you’re a woman, you’ll now pay more than a man for the same coverage. Rates for single women rose 20 to 40% last year, while rates for single men fell 15%, says Jesse Slome, executive director of the American Association […]
September 24, 2016
AgencyWhat are some examples of unexpected exclusions in a home insurance policy?
There are seven general types of home insurance policies under the industry standard Homeowners 2000 Program, ranging from HO-1 to HO-8 (there is no HO-7) as of 2014. Perils covered under HO-1 policies are very narrow, and they are not sold in all states. HO-2, HO-3 and HO-5 are the types of policies held by […]
September 17, 2016
Agency5 Household Items You Should Insure
You probably don’t think about it until happens. How many assets do you own that are high-value items either in terms of monetary or sentimental value? Your homeowner’s insurance doesn’t cover everything you own and the items it does cover are only partially insured if they’re high-priced items. Here are a few items you should […]
September 10, 2016
AgencyCommon Home Security Mistakes
If you and the guy who wants to steal your television sat down to shoot the breeze, what would you ask him? The chance to pick a burglar’s brain could certainly give you some ideas for home security upgrades, but it’s not a very common opportunity. So, we created some fictional burglar monologues (based on […]
August 27, 2016
AgencyHow Insurers Decide Your Auto Insurance Rate
When shopping for the best auto insurance rates, you’ll find a recurring theme in the information that prospective insurers collect in order to quote the cost of a premium. Common questions such as your name, social security number, zip code, car make and model, and estimated miles driven each week, are probably expected. However, other […]
August 19, 2016
Agency6 Things That Spike Your Auto Insurance
You may already know the importance of shopping around to score the best rate on your auto insurance premiums, but did you know that certain factors (or the absence of them) could cause your insurance premiums to rise? To understand what makes your insurance premiums spike, it helps to understand the basic nature of auto […]
August 5, 2016
AgencyWill Filing An Insurance Claim Raise Your Rates?
You buy insurance to protect your home and car from damage, but when an accident happens, is it in your best interest to file a claim? It seems like the answer should be a resounding “yes,” but a middling “maybe” is a far better response. Why the ambiguity? The decision to file a claim can […]