- Auto InsuranceDid you know that letting your car insurance lapse, even if you no longer own a car, may impact your insurance rate? That's right: going without coverage for a certain amount of time, which varies by insurance company, may affect your car insurance rate in the future.
- Motorcycle InsuranceYou might be new to owning a motorcycle or you might be an enthusiast with years of riding experience. But, one thing that is consistent across the board is the importance of having the right motorcycle policy to meet your needs.
- Boat InsuranceMany states now require boat owners to have boat insurance. If you have a loan on your boat or use a marina, you may also be required to have boat insurance.
- RV InsuranceHowever, are you sure you have adequate RV insurance? Unfortunately, many RV’ers don't take the time to adequately insure their home away from home. A common practice for RV owners is to insure their RV under their current auto policy instead of purchasing a separate motorhome insurance policy. Take the time to read what and how much is covered under your auto policy. To ensure proper and adequate coverage, consider adding a separate RV insurance coverage to your current auto policy.
- Renters InsuranceAre you renting an apartment? If so, keep in mind that it’s up to you to protect your personal belongings from damage or theft with renters insurance.
- Home InsuranceWhen buying a home you think about the mortgage and the bills associated with owning a home. But, just as important, is to figure out what your homeowners insurance will cost.
- Condo InsuranceDo you live in a condo? If so, keep in mind that your condo association coverage will only cover the exterior of the condominium. When it comes to your home, condo insurance will cover your unit, protecting you and your home, everything that the condo association’s master policy doesn’t cover.
- Life InsuranceOne reason for choosing a life insurance policy is to figure how much your dependents will need after you’re gone. In order to choose the face value (the amount your policy pays if you die) of your life insurance you should consider the following...
- Health InsuranceAs a business owner, it is in your best interest to offer your employees a comprehensive benefits package, but how do you know what works and what doesn’t? Health insurance is a good place to start but there are so many options to choose from
- Disability InsuranceIf you have a job, it is very likely that you will need short term disability insurance. The possibility of a disabling illness or injury may seem remote, but statistics say otherwise. You actually have a three in 10 chance of suffering a disability* that will keep you out of work for 90 days or longer at some point during your working career. And, 90% of disabilities are caused by illnesses not accidents.
- Long Term Care
- Dental InsuranceDental coverage of some kind can help you ensure the health of your teeth and gums. Unfortunately, if you are bearing the full brunt of the cost of dental care you may find it difficult to pay your dentist bills. Without dental insurance coverage, you may be tempted to skip regular cleanings and checkups, a decision that could lead to serious dental health problems.
- Vision InsuranceIt's no surprise that vision insurance is misunderstood by many people. Depending on the reason for the doctor visit – a routine exam or an eye injury – it’s not always clear which doctor to visit.
- Business InsuranceTrade Credit Insurance is a business insurance product that provides this analysis but also indemnifies a seller against losses from non-payment of a commercial trade debt. With trade credit insurance in place, the seller/policyholder can be assured that non-disputed accounts receivable will be paid by either the debtor or the trade credit insurer within the terms and conditions of their policy.
- Workers Compensation InsuranceWorkers Compensation only kicks in if you are hurt on the job. What happens if you are hurt at home? Think disability income insurance.
- Commercial Liability InsuranceStandard business liability coverage will protect you in many situations, but when serious situations arise, umbrella liability insurance can help ensure that your business is protected. Accidents are unexpected and often unavoidable. Here are a few of the many situations that may happen...
- Professional Liability InsuranceWhile errors and omissions insurance has been part of the insurance portfolio of doctors, lawyers, financial services professionals and realtors, many businesses face professional liability risk. To help determine whether you need E&O, ask yourself, "Can I afford a lawsuit due to a professional error on my part?" For the majority of small businesses, the answer is probably no. It doesn’t matter if you win or lose the lawsuit, because there's the question of paying the lawyers.
- Builders Risk Insurance
- Annuities
- Liability InsuranceWhat is peace of mind worth to you? For some, it’s knowing that they are protecting their assets and future with personal umbrella liability insurance.
- Travel InsurancePlanning an overseas trip starts with planning for the unexpected. Purchasing additional insurance when you travel is one of the best ways to cover the unexpected. However, before you start researching travel insurance, review your current insurance policies. Check if you have any travel health insurance and/or international travel insurance coverage on any of your policies. Some homeowner’s insurance policies and renter's policies cover your personal property and liability (such as you accidentally hitting someone with your luggage and break a toe) anywhere in the world, so if you already have this coverage there is no point in buying more.
- Pet InsuranceSo, if you are considering pet insurance here are some questions to ask as you explore the options that are best for your pet
- Flood InsuranceFloods: For insurance purposes, a flood is considered temporary extra water on land that is usually dry. Flood insurance is a separate policy issued by the National Flood Insurance Program or NFIP. Flood insurance is only required if the property is located in a flood plain. You can also learn more about preparing for a flood plus other helpful information.
- Earthquake InsuranceEarthquakes: Most people don’t realize just how many fault lines exist across the U.S. You can add earthquake insurance with a separate policy or as an endorsement to a current homeowner policy.