For those who live in areas where frozen pipes are a problem, you may want to consider a rider to your homeowner’s policy to provide adequate protection in the event of a burst pipe. You do not want to find out after the fact that this disaster was not covered.
What is bodily injury liability? This part in the auto insurance policy says in case you and your family members cause an accident, the insurance company will cover the medical expenses of the parties involved. Remember though, that family members must be listed officially by the policyholder.
In most instances, business interruption or business income insurance is not offered as a separate policy. Typically, this type of protection is added to a new or existing commercial property insurance policy or broad coverage package.
If you've been charged with a DUI or a DWI, you may have been told you’ll need an SR-22. This is not insurance itself, but a document from an insurance agency that says you have appropriate coverage.
An HO-8 homeowner's insurance policy is a good choice for insuring an older home that has been restored. It covers more than a basic policy while still offering modest premiums.
The home security discount is one of the most under-utilized discounts by homeowners. If you have a glass patio door, installing a double-key lock can help you save money on your premiums.
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When in 1894 Vermont passed the first law regarding motor vehicles, there were no automobiles in the state, and auto insurance didn’t exist. Vermont made auto titles a registration requirement in 1970, and it was one of the last states to do so.
If you own a mobile or manufactured home, HO-7 homeowner’s insurance policies are tailored specifically for them. They are similar to homeowner's policies for site-built homes with some variations.
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Annual homeowners insurance premiums have a wide range because of all the factors that can affect the insurance. These premiums can be between $400 to $1500, and for high-value homes, they can be even higher.
Given the cost of setting things right for both yourself and another party after a car accident, it's ill-advised to not have insurance coverage. Besides, it isn't really something you can forego as liability insurance, at the very least, is required as a pre-condition of the driving privilege.
Surety bond rates differ from one company to another, but the premiums generally range from 0.5% up to 2% of the total contract amount. They can also depend on the size, type, and duration of the project.
If your car is damaged by a flood, it won’t be covered by flood insurance for your home, even though those policies cover personal property. In this case, it’s the comprehensive coverage part of your automobile insurance that takes care of it.
Want to save money on your homeowner’s insurance premiums? Consider consolidating all your insurance with a single company. You may be able to get multi-policy discounts for moving auto, and in some cases, life insurance.
If you make a lot of claims against your insurance in a certain time frame, your rate may go up. This is usually exempted if there is a storm that does damage to a whole neighborhood.
While you certainly wouldn't want your pride and joy damaged, accidents do occur. Therefore, you'd want to protect your investment by having adequate insurance coverage that will take care of anything untoward that may happen while you're on the road.
There are two types of business liability insurance available to you for your business operations: general liability and professional liability. General liability protects against claims of bodily injury or property damage, whereas professional liability is insurance against damages from the services you provide.
Does business insurance cover business equipment, tools and stock? It depends on the type of insurance coverage you have opted for. So, before buying an insurance policy, make sure it is right for your business requirements.
Take pictures of your home before you move in, immediately after taking up residence, and whenever you make changes to it. Keep the pictures safely stored so they can be accessed when filing a claim.
Not everyone knows the benefits offered by No Claim Bonus (NCB). NCB is a great way to save money on premiums because of the discounts for the next year is given when no claims are made throughout the year.
How much homeowner's coverage do you need for your house? To get a rough estimate, multiply the square footage by the home construction costs per square foot in your area.
While states have minimum requirements regarding the amount of liability coverage you carry, we recommend carrying as much as you can afford. This is the best way to protect your assets if you are at fault in an accident.
A shortage of cash is one of the main reasons a majority of small business shut down within a year, experts say. That's why it's important to consult with an insurance expert to decide what policies are too important to go without.
EPLI (employment practices liability) insurance provides protection for employers against claims or lawsuits made by former, current, or potential employees. This would cover such issues as sexual harassment, discrimination, and wrongful termination.
Do you ever wonder what would happen if you were in an accident with a very expensive vehicle? If the cost of their repairs and medical bills exceed your coverage limits, they could come after you in court.
It’s always good to know how to file a claim before you actually need to. Have your agent go through the steps with you when you purchase your insurance so that if disaster strikes, you won’t be scrambling to figure it out.
Do you have a swimming pool? If you have friends and family who visit regularly to enjoy it, you may want to consider the amount of liability coverage your homeowner's policy provides just to be safe.
Today, almost every person you drive around will have a license, and all of them should be insured, but not in the early 1900s. Massachusetts and Missouri established the first license laws in 1903, but Missouri didn't have a driver exam until 1952.
Surety bonds are a form of insurance. They assure the project owner that should you fail to fulfill the terms of the contract or be unable to complete a project as promised, the owner will have sufficient funds to hire someone else to fulfill the contract requirements.
