I have an older car, do I really need car insurance?

Most states have insurance laws that require drivers to have at least state mininum liability insurance.

These laws were enacted to ensure that victims of car accidents receive compensation, when their losses are caused by […]

What can change the cost of my car insurance?

What can change the cost of my car insurance?

A number of factors can affect the cost of your car insurance – some of which you can control and some that are beyond your control.

Some of these factors include: the t […]

Why purchase insurance through an Insurance Agent?

Why purchase insurance through an Insurance Agent?

You may ask yourself “What are the advantages to using an Insurance Agent to purchase Insurance?”

There are several, but most people would agree as a client, you re […]

What to consider when purchasing home insurance?

What to consider when purchasing home insurance?

There are a number of factors you should consider when purchasing any product or service, and insurance is no different.

Below is a checklist of things you should con […]

What does home insurance cover?

What does home insurance cover?

The typical homeowners policy has two main sections:

Section I covers the property of the insured

Section II provides personal liability coverage for the insured.

Almost anyone […]

How can I lower the cost of my home insurance?

How can I lower the cost of my home insurance?

There are a number of things you can do to lower the cost of your homeowners insurance.

The easiest thing to do is request a comprehensive review of your policy through […]

Why should I buy renters insurance?

Why should I buy renters insurance?

You might ask yourself, “Why should I buy renters insurance?”

If you live in an apartment or a rented house, renters insurance provides important coverag […]

How much life insurance should I buy?

How much life insurance should I buy?

“Rule of thumb” suggests an amount of life insurance equal to 6 to 8 times annual earnings. However, many factors should be taken into account when determining the right […]

What is a personal umbrella insurance policy?

What is a personal umbrella insurance policy?

The personal umbrella liability policy is designed to increase your liability protection. This single policy acts as an “umbrella” over all of your other personal liability […]

Why do landlord’s require renters insurance?

Why do some apartments or landlord’s require renters insurance?

Owners of apartment complexes and homes, purchase their own insurance to cover their liability, buildings and personal property.

However, these policie […]