When you buy any type of insurance policy, you end up with a stack of papers that would take you a year to read if you went through them page by page. It can be overwhelming, to say the least. This is why insurance agents provide you with what is commonly known as a declarations page. It is a complete summary of your insurance policy and everything that it contains. It's much easier to read and will provide all of the information in one place. What Is a Declarations Page? A declaration Read More
5 Tips New Landlords Can Rely on When Renting a House
Posted on: April 8, 2021
As a first-time landlord, there are certain things you will want to do to get off to a good start. Take a few minutes to go over this list and maybe add a few things of your own as you go. The key to being a good landlord is to use common sense and treat your tenants the way you would expect to be treated. Know Landlord/Tenant Laws Take the time to go over the landlord/tenant laws in your area. This will let you know exactly what you should do if certain situations arise. These laws have Read More
Life Insurance for Smokers: Here’s What You Need to Know
Posted on: March 18, 2021
The fluctuating price of monthly premiums often prevents people from purchasing life insurance. This is especially true if you have a habit such as smoking. Even if you only smoke occasionally, you may pay much higher premiums for your policy compared to a nonsmoker. Here is a look at life insurance rates for smokers and how that may impact you in the future. Why Life Insurance for Smokers Is Unique If you smoke regularly, the terms of your life insurance policy will differ compared to Read More
Guide to Auto Insurance for Disabled Drivers
Posted on: March 4, 2021
For most drivers, obtaining auto insurance is a pretty direct process. However, things can get complicated if you have a disability. While some basic aspects remain the same, other variables may impact your coverage. Here is an in-depth look at car insurance for drivers with disabilities. Basic Auto Insurance for Disabled Drivers Even if you have a disability, most insurers will still look at your driving record, the amount of coverage that you are looking for, and your credit score to Read More
5 Common Insurance Policy Myths
Posted on: February 18, 2021
Insurance can be incredibly confusing. Most people have a basic understanding of premiums and how they believe insurance works. The fact is most myths and misconceptions come from miscommunications or misunderstandings about the terminology in their policy. This is why it is so vital that you always ask questions when your policy is being written. Myth 1: I will receive full value when I file a claim. When you purchase insurance, you are buying protection against financial loss. An Read More
Save Money by Reviewing Quotes for Your Homeowners Insurance Regularly
Posted on: February 4, 2021
Your homeowners insurance policy is just like anything else you purchase. Prices will change over time, and there will always be another insurance company out there that would love to try and earn your business. Taking the time to review your homeowners insurance regularly will not only save you money. Still, it will also give you leverage so that you can get the best possible coverage for your property. Insurance Companies Compete for Your Business Insurance companies always compete with Read More
5 Advantages of a Hybrid Life Insurance Policy
Posted on: January 21, 2021
Hybrid life insurance is not like conventional insurance. It combines two policies into one, covering both long-term care needs and life insurance. This leaves fewer gaps and ensures the customer has the coverage they need for the rest of their lives. The long-term care coverage kicks in if you are diagnosed with an ongoing health condition. If you don't use your policy's long-term care portion, the death benefit from the life insurance will go to your loved ones. 1.Easy to Get Traditional Read More
Should You Claim Auto Insurance for a Scratch?
Posted on: January 7, 2021
Filing an auto insurance claim for damage to your car makes sense. It's the primary reason for having an auto policy in the first place. However, filing a claim for minor damage may work against you, especially if you want to keep your car insurance costs down in the long run. Typically, you may be better off paying to fix a scratch on your car instead of pursuing insurance compensation. Here's what you must keep in mind before claiming auto insurance for a scratch. Your Claims History Read More
5 Practical Tips to Get Started with Life Insurance
Posted on: December 23, 2020
Life insurance is an essential financial investment. There are numerous kinds of life insurance policies that you can choose from. Each one offers specific benefits that will help you to protect your family. Life insurance is designed to be a safety net for your family if the unthinkable happens, and they no longer have access to your income. Discussed here are some critical tips for buying life insurance. Protect Your Family Buying a whole life policy will ensure that your family's Read More
How to Effectively Manage Stress around the Holiday Season?
Posted on: December 11, 2020
We all must learn how to manage stress around the holidays. It may be easier for some than it is for others, but it's important to try. The holidays are meant to be a time of happiness and celebration with your loved ones. If you want to manage stress during the holidays effectively, you need to set your priorities. Make a few lists and check them two, three, or four times. Try to stay focused on your goals and allow others to help you when the chance arises. This article discusses some crucial Read More