Car Insurance Deductibles: What Are They & How Do They Work?

A car insurance deductible is the amount of money a policyholder has to pay out-of-pocket towards a car accident claim. It is the amount you have to pay following an accident before your car insurance coverage kicks in. Unlike health insurance claims, car insurance does not require you to pay an annual deductible. Instead, you have to pay the deductibles on a per claim basis, i.e., every time you file a claim. In this guide, we will examine the different types of car insurance deductibles Read More

Why Should Women Choose Term Insurance Plans?

In recent times, women have been more involved in various fields and industries historically filled by men. Due to the rising cost of living, both men and women in many households have had to work outside the home in order to earn more income. The loss of an income earner in such situations can result in a financial crisis. In some single-parent households, women act as the only provider in the home. If they have no financial protection, such as a life insurance plan, their demise can result in Read More

4 Ways to Encourage Your Employees During COVID-19

Many businesses have had to close down during the pandemic with no plans to reopen. Business owners were forced to adapt to restrictions and changing customer demands, all of which have affected their employees. Struggling employees will be less motivated and less productive than employees who do not have such crushing worries. This is why offering constant support and encouragement can be very helpful for your employees and your business. The following are a few ways in which you can Read More

California Laws for Cellphone Usage and Distracted Driving

There is no gainsaying that the introduction of mobile devices has had a positive effect on the world economy; however, like with everything, it also has its demerits. Teenage drivers tend to be less responsible than adult drivers. Reports show a significant percentage of road accidents involving teenagers was caused by phone-related distractions. This has resulted in several driving-related legislation, especially in the state of California, to enforce road safety practices and encourage Read More

How COVID-19 Has Made Homeowners Proactive Towards Home Repairs and Improvements

Since the pandemic induced lockdown, there's been a dramatic change in the behavior of homeowners. Many homeowners have tilted towards making proactive improvements and repairs in their homes. Data from homeowners shows that 71% made improvements and repairs to their homes recently. They also affirmed that these improvements/repairs would be a continuous project, done periodically over time.  What Has Led to This Proactiveness Among Homeowners? The reason for these dramatic changes Read More

What You Need to Know About Declarations Page(s)

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

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

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

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

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