Don’t Let Car Thieves Ruin Your Christmas Preparations

Hiding Christmas gifts in your home isn't always the most effective way to keep them out of sight. Hiding them in your car isn't a great idea either. Many people put them in the trunk of their vehicles, thinking that their insurance will replace them if the car is broken into and the gifts are stolen. However, does car insurance cover theft of personal items? Does car insurance cover Christmas gifts or any other gift items stolen from the car? Depending on what type of policy you have, you may Read More

Top Mistakes to Avoid When Buying Homeowners’ Insurance

Buying a homeowners' insurance policy is essential if you want to protect your home. You have to be careful to avoid many of the homeowners' insurance pitfalls that can end up costing you money in the long run. Don’t buy homeowner’s insurance just because your bank mandates it. Do your research and comparison. It would be best if you put as much effort into choosing the right homeowners' policy as you did into purchasing your home. Find out as much as you can before you buy the policy and make Read More

What Is Variable Universal Life Insurance- Some Basic Facts

VUL (Variable Universal Life) insurance policies take the traditional whole life policy one step further. Instead of just putting money into an account and letting it sit there, a VUL policy allows the cash portion of the policy to be put to good use. Even though this sounds like a great idea, there is a downside that can have disastrous results if you aren't fully aware of how the policies work. Better Than a Whole Life Policy A whole life insurance policy is considered to be a permanent Read More

What Are Some Tips for Choosing the Right Homeowners Insurance?

Responsible homeownership involves making sure your home and property is properly insured. Having the right policy in place ensures that both your home and personal possessions are protected from financial loss. Storms, fire, accidents, and loss from theft or vandalism can all cause significant financial hardship. The right homeowner's policy will help you to recover your losses and move forward with your life. Some basic homeowners insurance buying tips are discussed here. Know What You Read More

Borrowing Cash from Your Life Insurance: Here’s Everything You Need to Know

Are you wondering whether you can borrow money from your life insurance policy? Yes, it is possible provided your policy has accrued cash value that can be used as collateral. The primary purpose of a life insurance policy is to provide death benefits in the event of the insured person’s demise. However, there is an added benefit that allows you to borrow against your policy’s cash value once you have paid enough premiums. Though it might come across as an effortless way to acquire a quick Read More

Consequences of Riding Without a Motorcycle Insurance

Like auto insurance, motorcycle insurance protects you and your motorcycle from potential threats of collisions, personal accidents, crime, theft, slipping, and fire. Like most states require drivers to carry car insurance, the same applies to motorcycle riders. Riding a motorcycle is fun, so why not make sure you have peace of mind too? If you ride a motorbike, it’s essential to purchase a good motorcycle insurance policy. Motorcycle Insurance Policy Options You might be very confident about Read More

Getting Back to School – Tips for a Smooth Transition

Children might be used to a routine holiday life, and this makes it difficult for them to get back to school. Here are some back-to-school tips that will help prepare your child for the first day of school. Encourage Your Kids Your child may worry about how the school will be during the pandemic, so you should explain to them the positive aspects of going back to school, including meeting and playing with friends. This will boost your child’s confidence and make them look forward to going to Read More

What You Need to Know About Personal & Commercial Umbrella Policies

Personal and commercial umbrella policies are both additional insurance policies that are used to pay off the extra expenses when the existing policy is insufficient to pay for the damage. The personal umbrella policy is used by individuals, and the commercial umbrella policy is used by businesses. Personal Umbrella Policy Most people have necessary insurance policies, such as homeowners or auto insurance. However, they are usually unaware of the personal umbrella insurance and hence do not Read More

Getting Auto Insurance for Your Teenager: What You Should Know

As a parent, witnessing your teenager learning to drive is a wonderful experience. However, offering protection to your teenage driver is a part of parenting. Buying auto insurance is the best way to protect them. Most insurance service providers give an option to add your teenager to your auto insurance policy. However, you must know some practical aspects of adding a teen to your policy. Why Add Your Teen to Your Policy? Many service providers have special offers for customers who choose Read More

A Detailed Guide on How to Deal with a Parked Car Accident

You might be highly protective of your car. However, sometimes, you might see your parked car hit by someone. But you do not have to panic; just follow these steps to deal with it. Be Prepared with the Documentation If your parked car got hit, calmly approach the at-fault driver to get an explanation of the accident and collect their name, contact, and insurance details. However, if the at-fault driver has left the place, look around for witnesses and collect as much information as Read More