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You should review your auto insurance policy on an annual basis.  Here are some items to look at: 1)      Deductibles: In some cases, your deductible may be set too low. The premium you pay for that lower deductible rate is, a lot of times, more than the deductible you would pay out in an accident. READ MORE >>

We have had many clients inquire about Personal Injury and what exactly it is.  Here is a great description from Wikipedia to help inform you on "What is Personal Injury?" Personal injury is a legal term for an injury to the body, mind or emotions, as opposed to an injury to property.[1] READ MORE >>

Some homeowner insurance policies do not cover flood damages. Homeowners, business owners and renters in communities that participate in the National Flood Insurance Program (NFIP) can purchase policies or riders to protect property and contents. Policies average about $570 a year and can start as low as $119. READ MORE >>

Sometimes, even f you haven't had an accident or filed a claim, your insurance premiums may go up.  Here are a few reasons your premiums may change. 1. Increasing occurrences of catastrophic weather (e.g., wind, hail, heavy snow, ice) has resulted in a rise in total claims paid out for damages. READ MORE >>

Generally, your personal auto insurance should extend to a rental car. A rental car most likely would be covered by Collision coverage or Liability coverage, depending on the company in which your policy is issued, because you're temporarily driving it and you don't own it. READ MORE >>

The easy answer to this is... NO!   Many also may believe that federal disaster assistance will pay for any damages.  This is not necessarily true, either.  This type of assistance typically comes in the form of a low interest loan to help cover flood damage, not compensation for your losses. READ MORE >>

How much life insurance you should purchase is very dependent on your current financial situation and your goals. Life insurance is designed to protect others when you are gone by providing benefits to help dependents pay off mortgages, pay off debt and pay child care expenses using the supplemental income. READ MORE >>

September is Life Insurance Awareness Month Your need for life insurance coverage is constantly evolving throughout the span of your life. Getting back to the basics, life insurance is designed to support your dependents in the event of your death. But your children, spouse and parents will need varying degrees of financial support over the years. READ MORE >>

Міsсоnсерtіоn #1: Νоbоdу wіll suе mе because mу busіnеss dоеs nоt mаkе а lоt оf mоnеу. Му busіnеss іs nоt соllесtіblе. FАLЅЕ. Еvеrуbоdу аnd еvеrу busіnеss саn bе suеd and, оnсе а mоnеу јudgmеnt іs rеndеrеd аgаіnst thеm, саn hаvе thаt јudgmеnt соllесtеd. Јudgmеnt lіеns dо nоt “gо аwау. READ MORE >>

Dental insurance is usually something an employer will include in a health plan. But, not always. Dental insurance can be an individual, family or group plan. So, what is dental insurance all about and how can you save on the costs? Dental insurance supplements good dental care; it doesn't make up for it. READ MORE >>

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