Understanding Home Insurance Premium Increases

Why your home insurance rates have gone up at renewal. If you are approaching the renewal period for your homeowners insurance policy, then your agent will send out a report documenting your current coverage and expected premium changes.  If your rates are increasing, you may be confused.  While you should always speak to your insurance provider to ensure that rate increases are not a mistake, there are some legitimate reasons why premiums increase at renewal time.  Here are some of the factors Read More

Ask Your Insurance Agent About Your Car Coverage

What you need to know about auto insurance. If you are looking for your first auto insurance policy, then you may be feeling overwhelmed by all the information out there.  Fortunately, you can get the answers you need by working with an experienced insurance agent.  Here are some of the auto insurance questions you should ask your agent. What coverage do I need? Almost every state in the U.S. requires drivers to carry some minimum amount of liability coverage.  However, simply meeting Read More

What to Know About No-Exam Life Insurance

Did you know you could secure life insurance without a medical exam? When you secure a regular term life insurance policy, you will have to complete a medical examination that includes a health questionnaire, lab tests, and statements from your physicians.  However, many people think this process is too time-consuming and, as a result, they fail to secure life insurance coverage.  To entice people to secure this essential form of insurance, some carriers have started offering life insurance Read More

Suggestions to Help You Avoid Holiday Hangovers

How you can alleviate the worst of your hangover symptoms this holiday season. The holidays are a time of fun, celebration, and, of course, parties.  If you have plans to attend any holiday parties, then there's a good chance that alcohol will be served.  If you are worried about the potential for post-party hangovers, then here's what you can do to avoid the worst of your symptoms. Avoid Dark Alcohols One way to avoid holiday hangovers is by avoiding alcohols that contain a high Read More

How to Reduce Home Insurance Costs This Winter

Try out these suggestions to avoid home insurance claims this winter. During the winter months, conditions make property damage, and certain types of liability claims more common.  If you do not want to file expensive home insurance claims this season, then it's important to prevent household risks.  Take these steps to keep your home insurance costs down this winter. Fires During the holiday season, many homeowners light up candles or get a fire going in their fireplaces to create a Read More

Watch Out for These Driving Risks This Winter

Protect yourself as you drive this winter. As a driver, it's important to anticipate how changing weather conditions affect your risk for accidents.  Additionally, you need to take precautions to address your risk and keep the roadways safe.  As winter introduces some serious weather hazards, here's what you can do to stay safe behind the wheel. Make sure that your car is properly prepared for extreme winter driving conditions. This means repairing or replacing cracked windows, switching Read More

Tips for Being an Effective Negotiator

Try out these tactics to make you a better negotiator. In the world of business, the ability to negotiate effectively is an important skill to have.  Whether it be negotiations with clients, suppliers, or your employees, you need to know how to handle these conversations.  For your business's benefit, here are some of the negotiation strategies that you should try. Learn the "Flinch" The flinch is one of the oldest negotiation strategies in the book.  A finch is a visible reaction to an Read More

What to Know About Combination Insurance Policies

Policies that combine long-term care and life insurance coverage. Long-term care insurance is designed to help you cover the expenses associated with a chronic or ongoing medical condition.  For instance, this insurance can help you pay for stays in a nursing home or cover the cost of home healthcare services.  However, many people are wary about securing a long-term care policy because they aren't sure if they will need it.  Fortunately, there are new insurance policies that combine long-term Read More

Why You Need to Make Your Home Inventory

How home inventories help with your homeowners insurance. As a homeowner, you know that one of the things you have to do is create and update your home inventory.  However, why is this tedious task so important?  Here's how having a home inventory helps you with your homeowners insurance. Why You Need a Home Inventory A home inventory is a list of all the items that you own.  Your inventory also includes important information on each item, such as photos, a written description, proof of Read More

Does Your Education Affect Your Auto Insurance Rates?

Does having a college education help you save on car insurance? When your auto insurance provider calculates your rates, they will take various factors into account.  Many drivers are surprised to learn that their education level is one of the things considered.  But how exactly does your education affect your rates?  Here's what you need to know. How Your Education Level Affects Your Auto Insurance Some auto insurance providers will look at your level of education when determining your Read More