7 Factors That May Impact Your Auto Insurance Costs

When it comes to car insurance, there’s no one price-fits-all scenario. In fact, car insurance costs can vary greatly from driver to driver, carrier to carrier and even state to state. It’s not only about which coverages you select. Many other factors can also impact your car insurance premium – here are seven of them. read more

How Your Home Insurance Can Vanish

It can happen unexpectedly. Maybe you took an extended vacation. Perhaps you placed your home on the market and moved into a new one. Or maybe you’ve gone into a nursing home temporarily. If you’ve moved out of your home for any reason – including renovation – your home insurance policy may have moved out, read more

What to Do if Your Identity is Stolen

The fastest-growing white-collar crime in the United States is identity fraud. ID fraud is when someone commits a crime or fraud in your name using your stolen personal information. No one, regardless of background or financial status, is immune to identity fraud and various cyber threats continue to grow with no sign of slowing down. read more

Canceled! When and Why Your Car Insurer Can Nix Your Coverage

Normally your car insurance is in effect until the term expires. But in certain instances the insurance company can cancel your policy. A cancellation notice is serious business. Without car insurance, you’re on the hook for any damage or injuries you cause in an accident, and in most states you’re breaking the law by driving without read more

5 Basic Tips to Protect Your Identity

We all have the best intentions when it comes to safeguarding our personal information from identity thieves. Checking credit reports, securing important documents and regular shredding may be at the top of our to-do lists. Then work, family—in short, life—get in the way. We get it, so we’ve made it easy. Just follow these five read more

9 Places to Store Your Fire Extinguishers

The basic rule of thumb relating to fire extinguishers is to strategically place them around your home and property to be able to have one in your possession within 6 seconds after you become aware of a fire. The key is to prevent a starter, or “incipient”, fire from spreading and having a fire extinguisher read more

What All Single Parents Should Know About Life Insurance

There is no denying that it is difficult being a single parent. Though it can be highly rewarding, juggling work, child-rearing, bill-paying and other responsibilities can sometimes be overwhelming. If you are in such a position, know that you are far from alone. A recent report by the U.S. Census shows that as of 2008, read more

Whose Insurance Pays When Your Friend Crashes Your Car?

Auto insurance typically follows the car rather than the driver. This means that your insurance will likely pay if your friend crashes your car. There are two exceptions. The first is when the damage and/or injuries exceed the available limits on your policy. In this instance, it’s possible that your friend’s insurance would kick in read more

Common Coverage Excluded from Homeowners Insurance

Homeowners should be informed of what their homeowners’ insurance covers and what it does not. Failure to completely understand your policy can result in a lack of adequate coverage when you need it most. Below are the top four coverage options that many homeowners do not realize are excluded in their policy: Floods – Many homeowners read more

Why You Need a Personal Umbrella Policy

More coverage. More protection. More peace of mind. With a personal umbrella policy, you can extend your auto, homeowners and other vehicle and watercraft liability insurance to better protect your assets in the event of a lawsuit. With jury awards on the rise, the liability coverage provided by your auto, home and other personal liability read more