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Useful Enhancements to Standard Auto Insurance Coverage

The government requires every driver to carry auto insurance coverage. States have their own auto insurance rules that specify the minimum coverage each motorist should have. However, the standard auto insurance coverage may not be enough to cover all the risks you might face on the road. Fortunately, different enhancements are available to improve your…

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Personal Umbrella Liability Insurance Offers You Added Asset Protection

If you’re looking for added protection in case someone sues you for damages for which you are liable, a personal umbrella insurance policy gives you extra asset protection at an affordable cost. Umbrella insurance offers several advantages but pays out only if you have a standard policy in place that includes liability coverage. You must…

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Do You Need These 4 Types of Professional Liability Insurance?

Most professionals can benefit from having a professional liability insurance policy in place, but not all professionals need the same type of policy. Insurers offer several kinds of professional liability policies so that they can meet the unique insurance needs of professionals in different fields. Here are four of the most common types of policies.…

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Factors to Consider When Choosing an Insurance Agent

Picking an insurance agent can be a challenge. Although most people rarely speak with their insurance agent, you should have an agent that you can work with and trust. Remember, when a covered event occurs, you’ll want your insurance agent to be someone with integrity who makes you feel comfortable. Here are some things to…

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5 Situations That Require Additional Car Insurance

A woman in need of additional car insurance

Regular car insurance, whether it’s comprehensive or third party, may have served you well in the past. But if you’re planning something exciting in the future, like a new motorcycle or a cross-country move, comprehensive coverage may not be enough anymore. Here are five situations where you may need additional car insurance coverage. 1. You’re…

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3 Reasons to Consider Purchasing Life Insurance for Your Child

The primary purpose of life insurance is to replace the insured’s income. This policy helps the insured’s family make ends meet while they adjust to life without their loved one and a reduction in their household income. Whether or not to purchase life insurance for your child is a controversial topic. Many argue that a…

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Renting Out a Room? Understand Your Insurance Coverage

Whether you need the extra income or you just want to help a friend out, you may have decided to rent a room out to someone. Renting a room out to someone can change your insurance needs, as there is now an additional person in your household, and they have their own possessions. Here’s what you need…

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How to Insure Your Manufactured or Modular Home

If you have a manufactured or modular home, you may be wondering what type of insurance policy you should get. After all, a modular home isn’t a site-built home, but it is still a home that was put together on site. So will there be any difference in your insurance coverage? Read on to find out. What Are…

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Landlords: Why Require Your Renters to Have Renters Insurance?

Did you know that only about 41% of renters have renters insurance? If you’re a landlord, the odds are you already have landlord specific insurance — but that doesn’t mean that your renters are necessarily covered for all of their issues. Not only should you strongly suggest they get insurance, you may want to actually require…

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The Many Types of Commercial Liability Insurance

Commercial liability insurance helps protect businesses in instances where a business is held responsible for another party’s injury or property damage. Because there are many kinds of incidents that can result in injury or property damage, insurers offer many different types of liability coverage. Here are some of the most common ones.

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