Insurance: A Guide for the Masses

What Could Happen to Your Auto Insurance After an Accident

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Car accidents are one of the factors that insurance companies consider when they underwrite auto insurance policies, and being in an accident could affect your car insurance. If you’re in an accident on the road, here’s what could happen to your auto insurance policy as a result. Cancellation of Your Existing Policy The most severe action an insurance company can take is to cancel your current policy outright, but this is an uncommon scenario and almost never done purely because of an accident. Read More»

How To Pay Home Insurance Premiums

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The premiums of a homeowners insurance policy are what you must pay to maintain the policy’s coverage. There are a few different considerations to take into account when deciding how to pay your home insurance premiums. Pay Annually or Monthly Most insurance companies will let you pay your home insurance premiums once per year or break the cost out into equal monthly installments. If you choose to pay annually, you’ll have to make the payment in full at the start of the policy’s effective period. Read More»

The Pros And Cons Of Choosing A Local Insurance Agency

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You have the freedom to purchase your insurance policies from the agency of your choice. You can shop around for insurance products, and you can buy your plans from a local agent or one that is located far away. Both options are good choices, but before you choose one of these, you should know the pros and cons of buying insurance from a local agent. Here are the top pros and cons to understand before making your purchase from a local agency. Read More»

Major Points Of Focus When Reviewing Your Auto Insurance Policy

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You should review your auto insurance regularly to ensure you always have the best policy possible. At the very least, review your insurance every time you want to renew your coverage. The review should cover all the major aspects of your policy, including these four critical ones. Coverage Your coverage encompasses the risks your auto insurance policy protects you from. The major forms of coverage include: Liability coverage Collision coverage Comprehensive coverage Determine whether your current coverage suffices or you need to change to coverage. Read More»

Summertime Risks Your Homeowners' Insurance Will Cover

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Summertime brings some unique risks that aren’t as relevant at other times of year, but homeowners’ insurance policies keep you well-protected during the warmest months of the year. If you have homeowners’ insurance in place, here are some common summertime risks that your policy offers financial protection against. Your Grill Causes a House Fire Grilling is a fun way to cook outdoors, but grilling too close to your home can lead to disaster. Read More»