One of the most important purchases that you can make when you own a house is home insurance, mostly because it can protect you and your family in so many different ways. However, just because your home insurance is so important does not mean that you should simply pay whatever price is asked of you ashome insurance rates can be a significant expense. Listed below are two ways to save money on your home insurance rates.…
Read More »Peak hurricane and wildfire season is in full swing, and that could mean a potential disaster for your home. It isn’t only strong storms or fire that can cause significant damage to your property either. Many areas experience earthquakes, including those areas not commonly known for earthquakes, and many areas experience flooding. It is a good idea to make sure your home is covered for any potential disaster that might strike your region.…
Read More »So many car insurance companies now offer “loyalty” discounts, but what exactly does that mean? Would you want to wait around for years on end for discounts on your monthly premiums, and is it really worth it? Let’s take a closer look at these discounts and how to determine if they are worth sticking around for. The Discount Details Loyalty means that you stick with someone or something for a very long time.…
Read More »You have just discovered the most horrific growth you have seen before growing under your sink. You know black mold (Stachybotrys chartarum) is dangerous, but you aren’t sure how to get rid of it safely. You also aren’t sure how expensive the mold-removal process will be. In this situation, it is normal for you to wonder whether or not your homeowner’s insurance will help cover the cost. Mold Growth Toxic black mold can grow in your home and is hazardous to you and your family because it produces toxins called mycotoxins.…
Read More »The rates you pay for your auto insurance are determined by many things, but the main factor is risk. An insurance company will not offer a quote to you until they determine what risk category you are in, and a huge factor that affects your risk level is your age. Insurance companies track age with tickets, accidents, and claims; and through this, they have determined that a person’s age has a lot to do with the probability that an accident will or will not occur.…
Read More »Having an employee injured on the job is every boss’ nightmare, but there are plenty of steps that you can take to make the process more comfortable for everyone. Here are some ways to help your employee out with their workers’ compensation claims. Spell Out the Procedure The first thing to do is to make sure that your workmans compensation policy is transparent. You should have a pamphlet on hand (or a section in your employee handbook) that details everything your employee will need to know about successful workmans compensation insurance claims.…
Read More »In 2014, there were 3.0 million nonfatal work-related injuries and illnesses reported in the United States. Two of the most common types of injuries sustained on the job that kept employees away from work included sprains and strains. One type of treatment that is effective for these types of injuries is physical therapy. Here are three more reasons you should seek physical therapy if you have strained or sprained a part of your body while at work.…
Read More »As a homeowner, having home insurance is highly important to protect you financially in the case of a disaster, such as theft, hail, or fire. When you first purchase home insurance, you should know what is going to help determine your rate. When you know what determines your rate, you can be prepared for the rates that you receive. Here are four things that you may not know determine your home insurance rate:…
Read More »Auto insurance is a vital part of your financial preparedness. You should never be driving without auto insurance; in fact, if you do and get in an accident, you could get in trouble with the law. This is why it is so important that you purchase an auto insurance policy that is right for your budget and for your needs. As you search for an auto insurance policy here are some things that you need to know about choosing a policy.…
Read More »You may have recently heard the buzz phrase, “umbrella insurance” and wondered what it means. Why would anyone invest in a policy that covers (like an umbrella) everything listed under it? Why would anyone want umbrella insurance if they already have separate insurance policies covering their belongings and assets? Furthermore, do you really need umbrella insurance when you have home insurance, or is it just an extra expense you can do without?…
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