2021

3 Facts You Should Know About Purchasing Flood Insurance

If you live in an area that is considered at high risk for flooding, there is a good chance that your mortgage lender will require you to purchase flood insurance. However, if you do not live in one of these areas or if your home is not mortgaged, the decision of whether or not to purchase this type of insurance coverage will be completely up to you. Before making this important decision, there are a few facts that you should know.


Comprehensive Car Insurance: Coverage Against Fire Damage

As a car owner, discovering your car is on fire can be one of the scariest and unsettling experiences. You may do everything possible to ensure you are safe from such a scenario, but sometimes unexpected instances like arson or garage fires can impede your efforts. As a result, figuring out how your auto insurance can be helpful in the event of fire damage is essential. Does Auto Insurance Cover Fire Damage?


What Is Homeowners' Insurance Escrow And How Does It Work?

When you buy your home, you may pay your homeowners’ insurance with an escrow account. Doing so may provide you with added convenience and some benefits. However, some people may not need it or choose not to pay this way. Here is more to know about how homeowners’ insurance escrow works and its benefits. What Is Homeowners’ Insurance Escrow? Homeowners’ insurance escrow is when you use an independent escrow company to make insurance payments on your behalf.


Expenses Covered By The Workers' Insurance Policies

Employers are legally expected to take all reasonable and necessary precautions to protect the safety of their employees on the job. OSHA guidelines, for example, mandate companies to safeguard employees from work-related injuries by providing them with protective equipment. If a person is injured on the job, they are entitled to workers’ compensation. Thus, employers can acquire workers’ compensation insurance to cover any work-related injuries that an employee sustains. The workers’ compensation insurance policies cover any medical expenditures incurred by the injured employee and any lost income resulting from the employee’s inability to work due to the sustained injuries.


Reasons Hiring A Tax Preparation Service Is Worth The Cost

The tax filing deadline is quickly approaching, and if you’re still scrambling around trying to find all of your records, it’s time to consider hiring a tax preparation service. Tax preparation service providers can help you with any number of things, including:  calculating deductions and credits completing forms for dependents providing advice on how to get the most out of your return A professional tax preparer might even be able to offer some savings opportunities that are available only through them.


What Kind Of Water Damage Does Home Insurance Cover?

If you want to make sure your home is protected, it’s important to understand the different types of dangers that you need to insure against. Water damage is tricky because different types of water damage may or may not be covered by home insurance. Here’s an overview of what is and isn’t covered. Burst Pipes A burst pipe will usually be covered by home insurance. This is true as long as it’s a sudden issue.


Do You Need An Umbrella Insurance Policy?

If you’re feeling as though your business is under-insured, you might want to consider the addition of an umbrella insurance policy. An umbrella insurance policy is a type of “catch-all” policy that is designed to cover the gaps between your existing policies, in addition to catching the excess. Read on for more information about this type of business insurance. Umbrella Policies Pick Up Where Other Policies Leave Off An umbrella policy creates an additional policy that is tapped when other policies are maxed out.


3 Vital Auto Insurance Coverages To Add To Your Plan

Auto insurance is probably the most common type of insurance coverage that people purchase. Most people drive in the US, and most people have vehicles. Auto insurance companies let their customers choose their coverage types, which means you get to customize your package. As you begin choosing the coverage you want, you might want to add the following three types to your plan. 1. Roadside Assistance Many auto insurance plans come with roadside assistance, but some do not.


Meeting Your SR22 Insurance Requirements

Driving is an extremely hazardous activity, and this leads to insurance being required to operate a vehicle. Unfortunately, some drivers have proven themselves to be extremely reckless, and this can lead to them being ordered by the courts to have SR22 coverage. What Would Cause You To Be Forced To Carry An SR22 Insurance Policy? Often, SR22 insurance is required when the court has determined that a driver poses an exceptionally high risk.