The 4 Main Types of Property Insurance Available for Purchase

Property Insurance

Purchasing and maintaining property insurance is a necessary step in protecting yourself, your family, and your business from liability should an event that is beyond your control occurs. Property insurance is a specially-designed policy that provides direct coverage for property owners. These policies provide extensive coverage for various types of damages. Examples include those that… Read More…

First-Time Home Buyer? These Popular Programs Could Help

Home Buyers Moving In

It is common knowledge that becoming a homeowner comes with its own level of benefits; however, there are also a few barriers and complications that you may be unprepared to handle if you are buying a home for the very first time. Large sums of money, confusing terms, and lack of experience often result in… Read More…

How to Lower Your Car Insurance Premiums

Car Insurance Premium

Car insurance is a necessity; however, understanding it may prove to be quite challenging. Understanding the differences between comp and collision, liability, uninsured motorist coverage, and the various other types of policy considerations may leave you spinning. In this brief guide, we will outline certain facts pertaining to car insurance coverage. By learning these facts,… Read More…

Is Homeowner’s Insurance Required by Law?

As a homeowner, you are not legally required to obtain homeowner’s insurance; however, if you are taking out a mortgage or are currently paying on a home, your designated lender will require that you have proof of homeowner’s insurance coverage. If your mortgage is paid in full, you do not have to purchase insurance. You… Read More…

Are You a Government Contractor? Protect Yourself and Your Business From Major Losses With Government Contractor Insurance

Conducting any type of work or business with the government of the United States presents a wide array of risks. Many government contractors believe that the protections that are offered are quite broad; however, this is inaccurate. It does not matter if your work is operational-based, it is related to construction, associated with security, or… Read More…

Essential Components of a Fleet Safety Program

Truck Fleet

Accidents involving fleet vehicles are considered to be the costliest of all injury-based claims for businesses. According to statistics, the average cost of accidents is about $70,000. If you do not have a formal-based fleet safety program, it puts your employees and your business at risk. This program should be designed – specifically -for both… Read More…

A Few Simple Strategies for Seniors Looking to Maintain Low Rates on Their Car Insurance

Senior Woman Driving

Seniors who have pristine driving records may be surprised to find that, as they grow older, their car insurance rates increase. In most instances, middle aged drivers experience the best rates. This is often due to years of experience behind the wheel and an assortment of loyalty discounts. Statistically speaking, older drivers are more prone… Read More…

Water Damage Insurance Claim Tips Every New York Homeowner Needs to Know

Water Damage Insurance

Water damage claims to insurance companies have increased significantly in the past several years within the United States. Whether it occurs as a result of flood damage, burst pipes, leaks from appliances, or accidents, there is definitely an uptick in situations where water becomes destructive. It could be a slow, simple water issue, or it… Read More…

What Are the Benefits of Protecting My Company with Business Insurance?

If you are reading this, you know that owning and operating a business naturally comes with a wide array of inherent risks. A natural disaster could result in the destruction of your property, an injury may occur at your business, someone could file suit against you, or you could be forced to close due to… Read More…

The Basics of Business Loss Insurance

Business loss insurance – sometimes referred to as “business interruption insurance” or “business income coverage” – is a specially-designed form of insurance that aids in replacing lost income and paying for additional expenses if or when a business is directly impacted by a peril that is outlined as “covered” on said policy. In most instances,… Read More…

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