Do you rent your living space? If so, you may not have renters’ insurance. Some people who rent make false assumptions about this type of insurance, which can result in them not getting it. There are a few reasons for you to consider getting renters’ insurance. Even though you may not ever own the space you are renting, the items in it are your property. Imagine them getting stolen or damaged as a result of a tragedy such as a fire. Read More»
In many states, collision insurance is not a mandatory part of your insurance coverage. But for many car owners, it can be a vital part of their insurance plans. Here is what you need to know about collision coverage for car accidents. Differences Between Liability and Collision Insurance You may be wondering whether your standard liability coverage will pay for your car accident damage. The answer is often no. With bare bones car insurance, your insurer will pay for damages to another person’s car in the event that you are responsible for an accident. Read More»
Just how much life insurance do you need? Unfortunately, there is no simple answer to this question. Some people need a policy that pays enough to cover their funeral expenses, while others need enough to pay off their mortgage, support their family, and keep a business running. You need a basic guide to help you determine the amount of life insurance you should cover. How Much Debt Do You Have? Read More»
Once you have been convicted of a DUI, it can be difficult getting back on the open road. The first roadblock you’ll run into is getting car insurance. By knowing how your car insurance is affected by a DUI, you’ll know what to expect. Know About SR22 Auto Insurance Part of being allowed to drive again after your DUI will be getting SR22 insurance, which is a certificate that ensures financial responsibility. Read More»
If you want to pay the least amount possible for your home insurance, you can achieve this by bumping up your deductible to a really high amount, such as $10,000. This may seem crazy to you, but it will help you save a lot of money; however, there are certain things you should consider doing if you decide to follow through with this. Here are a few things to understand if you would like to increase your deductible to a really high amount. Read More»
Once an insurance company determines that your car is totaled, it is supposed to pay you an equivalent of the car’s value just before the accident. It’s likely that you will want to maximize your payout while the insurer will be interested in minimizing the payout. These tips will help you get a fair payout from the insurer: Include Extra Features The insurance payout of a totaled car should be based on the pre-accident value of the car minus a few deductions, such as your deductible. Read More»
It can be a challenge as an immigrant to get a driver’s license as well as the necessary auto insurance. The good news is that if you are able to legally drive a car in the US, getting auto insurance should be possible, though there may be some difficulties throughout the process. Be aware of these 3 things when it comes to getting auto insurance. You Must Have A US Driver’s License Read More»
As a homeowner, one of the most important things to do is take out a homeowner’s insurance policy. Over time, you may find yourself in a situation that requires you to make a claim on your homeowner’s insurance. Before making the claim, take a few moments to evaluate whether or not it makes financial sense to make a claim against your insurance. 1. Know Your Deductible The deductible is the amount that you must pay before your home owner’s insurance provides coverage. Read More»
As an employer, you must pay workers compensation insurance premiums for all workers that your insurer covers. This includes all of your employees, as well as any subcontractors you use that your insurer provides workers comp coverage for. To make sure you don’t overpay on your premiums, make sure you get itemized statements from all of your subcontractors. Calculating Workers Compensation Insurance Premiums Because workers compensation provides workers who are injured on the job with financial payments based on their salaries, workers compensation payments are also based on workers’ salaries. Read More»
Outfitting a new photo studio of any size can be costly. The initial startup period for any photographer comes with investments in cameras, lenses, lighting, backdrops, props and more. When you add in the cost of computer equipment and software licenses for post-processing, you’re talking about a lot of money tied up in that space. It’s important that your commercial insurance policies go beyond just the basic liability coverage. Here’s a look at a few things to keep in mind as you shop for insurance for your new business. Read More»