Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
Should I Purchase Flood Insurance If I’m Not in a Flood Zone?
Posted: August 16, 2023
Should I Purchase Flood Insurance If I’m Not in a Flood Zone?Flood insurance covers direct physical loss to your home structure and belongings caused by flooding. If the area where you live is not in a flood zone, you may think you are safe from flooding. The fact is that flooding is the most common natural disaster in the country. Many flood-related insurance claims come from areas with a low to moderate flood risk. What Does...
PPO vs. HMO: Which Is Right for You?
Posted: August 10, 2023
PPO vs. HMO: Which Is Right for You?Choosing a health insurance plan is a crucial decision. There are various factors to consider, including cost. The first choice to make is the type of health plan that works best for you. Two of the most common types are HMOs and PPOs. The following is some basic information about both types of health insurance plans and the key differences between them. What Is an...
5 Things That Are Excluded From Your Life Insurance
Posted: August 7, 2023
5 Things That Are Excluded From Your Life InsuranceThe main reason for purchasing life insurance is to leave something behind for your loved ones when you pass away. You pay your life insurance premiums to ensure your beneficiaries will receive death benefits should something happen to you. Not everyone is aware that life insurance policies have certain exclusions that can prevent beneficiaries from receiving benefits. It is important to know what those exclusions...
6 Reasons to Get Business Insurance Now
Posted: August 4, 2023
6 Reasons to Get Business Insurance NowIf you are wondering when the best time is to get business insurance, the answer is now. The protection it can provide is essential for your business, and some types of coverage may be required by law. The following are six reasons to purchase a business insurance policy now: Some Business Insurance Is Required by State Law Most states require small businesses to carry some...
Home Insurance for Rental Properties: What You Need to Know
Posted: August 1, 2023
Home Insurance for Rental Properties: What You Need to KnowMany people who own homes today rent them out to others. If you are renting out your home, whether on a short-term or a long-term basis, it is essential to understand that your homeowners insurance may not cover losses incurred while the property is being rented. The following is information about insurance coverage for renting out a residence in different scenarios. Short-Term Rentals of a...