Sole Proprietors, Protect Your Personal Assets with Insurance
A sole proprietorship is one of the easiest businesses to start in this country, and that ease comes with a catch. There is no legal line between the business and you, so a claim against the business is a claim against your personal assets. Here is a look at the coverage options that put a wall between the two.
The Importance of the Homeowners’ Association When Buying a Home
Buying a home comes with a long list of things to look into, and the homeowners' association is the one most buyers skip right past. The rules an HOA sets are legally enforceable, the fees are not optional, and both can affect what your insurance needs to look like. Here is how an HOA works and what to ask before you commit to a property.
Taking a Look Into Deductibles
Insurance paperwork throws a lot of terms at you at once, and deductibles are the one that has the biggest effect on what you actually pay. The difference between a high deductible and a low one comes down to when you want to spend the money, not how much coverage you get. Here is how each option works so you can tell which one fits your situation.
Why It's Important to Notify Your Insurance Agent of a Life Changes
Most people think about their insurance policy once a year and then forget about it until something goes wrong. The problem is that life keeps moving in between, and a policy written for the life you had two years ago may not cover the one you are living now. Here is what your agent needs to hear about and why the timing matters more than people expect.
Insurance Rates Rising Without Claims
Rising insurance rates are frustrating enough on their own, and they are harder to absorb when everything else costs more too. Your premium can go up even in a year when you never file a claim, and the reasons usually have very little to do with you personally. Here is what actually moves your rate and what you can do about it.