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Debunking and Simplifying Life Insurance

Damaging Dents: Getting Hail Destruction Repaired

Posted by on Oct 6, 2016 in Uncategorized | Comments Off

Hail can be your worst nightmare; if you park your vehicle in an open driveway, it’s exposed to the chunks of ice as they plummet to the earth. Even small hail can leave damage; dents, dings, and scratches all result from impact. There are a few different ways to get the damage fixed, whether you do it yourself or have someone repair it for you. Here’s a breakdown of the process you’ll need to follow.  Working With a Public Adjuster The first step in any hail damage case is to work with a public adjuster from a company...

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Heading Away On A Trip? These Plans Will Lessen Your Risk Of Having Your Home Burglarized

Posted by on Sep 20, 2016 in Uncategorized | Comments Off

When it comes to heading out of town and leaving your home empty, you don’t want to face a heightened risk of having it burglarized. Not only can this be highly inconvenient, but it will also prompt you to pay your insurance deducible and spend time on the claim — both of which you’d likely rather not have to do. Most homeowners know the importance of drawing their curtains, using light timers, and having a neighbor pick up their mail while they’re out of town, but people don’t always give enough thought to the method...

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Getting Commercial Insurance? Two Absolute Must-Have Riders

Posted by on Sep 1, 2016 in Uncategorized | Comments Off

If you’re getting insurance for your business, you may be a bit confused.  Commercial insurance operates very similarly to residential coverage, but there are some subtle differences.  You need to make sure that you have the protections in place that can protect your business.  Use this information to learn more about two must-have riders to include in your policy to make sure that you bind a policy that offers you the best possible coverage. Scheduled Commercial Property The first thing you want to do is make provisions...

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3 Signs That You May Be Spending Too Much On Your Prescription Medication

Posted by on Aug 17, 2016 in Uncategorized | Comments Off

If you have to take prescription medication, there is a good chance that the cost of your medication is really putting a damper on your budget. Fortunately, there are often ways that you can slash costs on the medications that you need. These are a few signs that you might be spending more on your prescription medication than you should be. 1. You Don’t Have Health Insurance If you still do not have health insurance, you are probably on the hook 100 percent for all of your medications, along with the cost of seeing your physicians. Even...

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Know Your Homeowners Insurance Coverage Exclusions Before Renting Out A Room

Posted by on Jul 28, 2016 in Uncategorized | Comments Off

Exclusions exist in all homeowners insurance policies. Contracts have rules and stipulations. An exclusion clause, essentially, means conditions exist to protect an insurance provider from  paying a claim due to egregious or negligent conduct on the part of a policyholder. Not everyone reads their exclusions carefully. Would-be landlords cannot afford to make this error. Fully understanding a policy’s exclusions is a must for any homeowner planning on renting out a vacant room. Commercial vs. Noncommercial Policies Depending upon...

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Getting Insurance on Your First Car? Two Ways to Avoid Paying an Arm and a Leg

Posted by on Jul 18, 2016 in Uncategorized | Comments Off

In today’s day and age, most states require that you carry auto insurance on your vehicle. Luckily, there isn’t a specific carrier that you have to do business with. You are entitled to shop around and get as many quotes as you would like from as many carriers as possible. This ensures that you are getting the best auto insurance for the least amount of money. If you are getting car insurance for the very first time, things can seem very overwhelming, and you may assume that you should just go with the rate that is...

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Securing Your Rights To Workers’ Compensation Claims In Maryland

Posted by on Jun 3, 2016 in Uncategorized | Comments Off

While there some cases of workers compensation fraud, in which a claimant fakes injury to secure disability payments, there are also cases of employers or insurers who attempt to cheat workers out of compensation for actual injuries. It’s always a good idea to know your rights when you are injured on the job and to prepare for any dispute that may occur should a conflict arise concerning the validity of your claim. When should you report an injury that occurs while you are working? Although you have ten days to report an injury that...

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Which Car Insurance Coverage Do You Need For Your Medical Damages?

Posted by on May 16, 2016 in Uncategorized | Comments Off

Car insurance isn’t just for paying for repairs if your car gets damaged. Depending on the coverage you have, your car insurance may also cater cover your medical bills. After all, millions of people get injured in car crashes every year. Here are some of the forms of coverage you need if you want your car insurance to compensate you for your bodily injuries: Personal Injury Protection Personal injury protection (PIP) coverage is only available in no-fault states. It may be a required or optional coverage depending on your jurisdiction....

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What Can You Do When Wedding Day Disasters Strike?

Posted by on Apr 29, 2016 in Uncategorized | Comments Off

Your wedding day is a big deal and can easily become one of those events your family talks about for years to come. Unfortunately, unforeseen problems at your wedding can take it from a wonderful memory to a cautionary tale whispered behind closed doors in bridal shops. To help you avoid wedding infamy, here are some tips to protect yourself and your wedding from disaster.  Remember That Bedbugs Do Exist Many brides are opting to rent their dresses to save money. Even though this is a good way to save money, it can quickly backfire if...

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3 Items You May Not Have On Your Homeowner’s Insurance Policy: Don’t Take The Risk

Posted by on Apr 14, 2016 in Uncategorized | Comments Off

A lot of people think they only have to tell their homeowner’s insurance provider if they make changes to their home, and they don’t realize that things they have around the property could also affect their coverage and policy needs. If you are currently the owner of a hot tub, trampoline, playground equipment or a pet, and your insurance company doesn’t know about it, you don’t have the right coverage. Here are some important facts to know. Hot Tub Drowning in a hot tub may seem odd since it’s such a small...

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