Are you in the process of shopping for insurance, and wondering if you should get flood insurance? This is not part of your standard home insurance policy and can give you some much-needed protection. Here is what you should know about flood insurance. Why Is Flood Insurance Needed? Your basic homeowners policy only covers water damage in some situations. This includes if a pipe were to burst in your home due to an accident, such as from freezing in cold temperatures, which causes water to flow into your home.
5 July 2022
If you operate a business out of your home, you may think that there is no need to purchase commercial insurance since you do not operate out of a commercial property. You may even assume that your business will be covered by your homeowner's insurance since it is located inside your home. However, both of these beliefs are incorrect. Even home-based business owners will need to purchase commercial insurance. In this article, you can learn more about three of the reason why this commercial insurance coverage is so important to you and your home-based business.
23 May 2022
If you own a home, you need to purchase a homeowners insurance policy. This type of insurance coverage protects you in many ways. If you would like to know more about homeowners insurance and why it's important, check out these four things homeowners insurance does for you. 1. Avoid Forced Coverage If you are still repaying your home loan, the lender may require homeowners insurance. Even if your state doesn't require homeowners insurance, the lender can still insist upon it to protect their investment.
29 March 2022
There are several groups of people who qualify for Medicare coverage. The most commonly-known group would be individuals who are 65 and older, but some younger people who deal with certain illnesses can also obtain the coverage, along with individuals who have End-Stage Renal Disease (ESRD.) Original Medicare (OM) contains two parts: A and B, with these two categories covering hospitalization and some doctor's expenses, respectively. However, there is so much more available and you should definitely go for the gusto.
3 March 2022
Are you a business owner? If so, you likely have a need for insurance if you are presently uninsured. There are a variety of business insurance options. Some of them might not be necessary for certain businesses. For example, the business needs of a home-based business owner will differ from a business that has a commercial location. There might also be additional needs such as auto insurance and workers' compensation insurance if a business has employees.
20 January 2022
Cyber insurance mainly covers your organization against data breaches involving sensitive information such as your clients' credit card numbers, driver's license numbers, and Social Security numbers. This type of insurance covers a broad scope, from alerting clients when a data breach happens and recovering compromised data to restoring all affected clients' identities and repairing any damaged digital computer systems. Most importantly, cyber insurance service providers cover legal fees and expenses associated with cybercrime and data breaches.
6 December 2021
While American citizens are no longer being penalized for not getting health insurance, it's a bandwagon you should consider jumping on, especially if you're starting a family. Family health insurance acts like a financial safety blanket that cushions your family's medical treatment expenses, allowing you to take care of your loved ones without digging too deep into your pockets. And if you're worried that you might not afford the premium, you'll be pleased to know that agencies offer family health insurance plans at different price points to ensure there's something for every family.
28 October 2021