Annual Homeowners Insurance Checkup can boost for Your Financial Health

Every year take the time to ask yourself this basic question: How much homeowners insurance do I need?

The answer is that you need enough insurance to cover the following:

  1. The structure of your home.
  2. Your personal possessions.
  3. The cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs. 
  4. Your liability to others.

The structure You need enough insurance to cover the cost of rebuilding your home at current construction costs. Do not include the cost of the land. And do not base your rebuilding costs on the price you paid for your home. The cost of rebuilding could be more or less than the price you paid or could sell it for today. Continue reading “Annual Homeowners Insurance Checkup can boost for Your Financial Health” »

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The Importance of Having Insurance in a Recession

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There are many different types of insurance that people should have. Renters/home-owner’s insurance, auto insurance, health insurance and the list goes on. Carrying insurance isn’t on everyone’s top ten list of things to pay for this month. There are good reasons why you should carry the insurance that is particular to your needs. Insurance is important because the cost of not having it can be much more than you can afford.

Here is a look at the different insurance types and the reasons they are so important:

Auto Insurance Auto insurance is important to carry because, first, it is mandated in most states to have insurance coverage when you are driving a vehicle. You will get into major trouble if you get caught driving without it. The most Continue reading “The Importance of Having Insurance in a Recession” »

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Types of Small Business Insurance: Importance of Having Them

Insurance is right up there (or perhaps, right down there) with going to the dentist, doing your taxes, or standing in line to renew your driver’s license. It’s torturous, but it must be done. Insurance allows your business to survive should disaster strike. 

Here are some of the insurances you’ll need in your business: Continue reading “Types of Small Business Insurance: Importance of Having Them” »

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Are You Paying Too Much for Your Home Insurance?

Home owners insurance is a delicate balance between coverage and cost. Ways to Find Hidden Savings: 

Idyllic Home

Increase Your Deductible – The premium cost of your policy is lower with a deductible than without. Check your home owner insurance rate Continue reading “Are You Paying Too Much for Your Home Insurance?” »

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