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Common Insurance Mistakes to Avoid

Buying insurance? Here's what to avoid.  In this day and age, insurance is essential. Policies protect us when we’re out on the road, at work, and are with us for years and years. Personal insurance is always coverage worth investing time and money into as the protection can be endless. Even so, many people often don’t take the time to learn their policy or choose the wrong one altogether. Insurance mistakes can cost you big, so it’s important to know what obvious mistakes to avoid! Under-Buying It’s easy to go online and purchase the first policy that you see. In doing so, you could be buying the wrong coverage and limited protection. For example, if you purchase the state’s minimum requirements for auto insurance, you could be leaving your brand new car exposed. Not only would your liability limits be lower, but you could end up exceeding your coverage – leaving you to foot ... Read more

Essential Insurance for Your College-Bound Teen

Before your child hits the dorms, kit them out with essential insurance. Growing up is a part of life. Going to college is an experience for any teen. For the parents, it can either be newfound freedom or constant worry. Whatever feelings you have about your child heading off to college, every parent will want to make sure that they’re safe. A reliable form of protection is insurance. Before you start moving in boxes of valuables into their dorm, update your college kid’s insurance! Property You can start be contacting your insurance professional to find out how much coverage your homeowners or renters insurance policy will provide for your child’s personal possessions if they are living in a dormitory. If they are living off-campus, then you can look into purchasing a renters insurance policy. Make a college inventory. Always make a college inventory list so that you and your student know exactly what items ... Read more

Does Your Business Need General Liability Insurance?

Your business does need general liability insurance – and for good reason! General liability insurance protects your business from another person or business’s claims of bodily injury, associated with medical costs and damage to property! Here’s what this valuable coverage can provide for your business Bodily injury coverage: If a client falls head over heel on your premises, you may not get out of the situation with a sincere ‘sorry’. The guest can file a lawsuit, to which the coverage will cover the subsequent claim and related medical expenses up to your General Liability policy’s limits. Property damage and data loss: You spill coffee on a client’s server causing damage, loss or data, and caffeine-scented equipment. Your insurance can cover the claim, thankfully! Personal injury: Imagine, one of your employees is at lunch and talks to the owner of a sandwich shop about one of your clients in a bad way. ... Read more

How Do I Choose the Right Home Insurance Deductible?

When selecting your deductible, be sure to know what you’re signing yourself up to. Homeowners know that their insurance policy is designed to protect their house and belongings throughout perils and lengthy lawsuits. However, when deciding on a policy, it’s important to understand what the deductible means for you policy. What is a deductible? Within your homeowners' insurance is a deductible. This is the total amount “deducted” from an insured loss. When filing a claim to repair your home or replace your personal belongings, the deductible would come out of your pocket. There are typically two choices of deductible types: Dollar-amount: For example, $500 “dollar deductible”. If your claim was for $10,000, your insurance company would take care of $9,500 while you paid the remaining $500. Percentage based: This is based on a percentage of your home’s insured value. If your home is insured for $100,000 and your insurance policy has a 2 percent deductible, $2,000 ... Read more

Going Green For Earth Day

Being environmentally conscious has become everyone’s responsibility. Going green for Earth Day is the best way to do your part and protect the environment. Reduce your carbon footprint! Reducing greenhouse gases on the road can cut emissions by 1,600 pounds per year. Carpooling with a coworker a couple times a week can cut emissions immensely. Also, try to accumulate your errands and shopping so you can get them all done on one trip. Idling your automobile wastes fuel and money, so remember to turn your engine off when parked. Encourage your friends to do so as well! Recycle your old electronics. Take your old computer, DVD player, or old phones to an electronics recycling center. E-cycling helps reduce the amount of pollution in the land, air, and water. Don’t forget to conserve water, especially now that California is experiencing one of its worst droughts! Only run your dishwasher and washing machine when you ... Read more
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