Insurance Blog

Please read and comment on our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

 

Understanding The Liability Portion Of Homeowners Insurance

Generally, homeowners insurance is designed to help repair or replace your home and belongings if they are damaged by certain covered perils, such as fire or theft. Most homeowners policies also provide liability coverage in case a visitor is injured on your premises, or you accidentally damage another person’s property. You may also add a personal umbrella policy – a type of insurance that provides...

Health Insurance Options For The Self-Employed

More Americans today are making the decision to be self-employed. Although this course of action has many advantages, sourcing your own health insurance is not among them. With the rising costs of healthcare, health insurance is essential for everyone, including the self-employed. If you go uncovered, you may have to pay costly medical bills out of pocket, losing the opportunity to have affordable access to...

Voluntary Term Life Insurance Vs. Voluntary Permanent Life Insurance

Voluntary life insurance is an optional benefit offered to employees by employers. It pays cash benefits to a beneficiary upon the death of the insured. In exchange for the employer’s guarantee of payment of these benefits, the employee pays a monthly premium. Typically, employer sponsorship makes premiums less costly than for individual life insurance policies. Types Of Voluntary Life Insurance Employers can provide two types...

Staying Safe When Passing A Roadside Accident

Accidents on the road can cause traffic congestion and delay your travels. They can also create hazardous conditions that lead to additional wrecks. The following are some tips for keeping yourself and your passengers safe when you encounter a roadside accident, construction, or other delays on the road. Don’t Get Distracted If You Are Stuck In Traffic A wreck on the highway, road construction, lane...

Gym Alternatives: How To Keep In Shape Anywhere

We all know that regular exercise is important for overall health. An active lifestyle that includes exercise and healthy eating can even help you get better rates for health insurance and life insurance. (Speak with one of our experienced agents for more information about how you can lower your premiums.) Some people don’t like to go to the gym for exercise, while others simply don’t...