Trick or treat. Smell my… We all know the saying. Halloween can be an enjoyable time for kids and adults alike. It’s a time when we all get to dress up, eat some candy, play some games, etc. but it can also be a time when tricks become an issue for homeowners. Halloween is a time of home vandalism pranks. While most are harmless, some can be damaging to your home. It’s important to have good homeowner’s policies that will cover the costs to repair them. Some common vandalism pranks include:
Read MoreThe American dream is different for everyone but no matter what it has always involved becoming a homeowner. Homeownership can change your life in more ways than most people realize. Not only will it provide comfort for you and your family in a space that you can make your own, but it can increase your wealth and the wealth of future generations in your family. It may seem like an unattainable dream but we promise you it is not. That’s an article for another day though. For now, here are a couple of ways that buying a home can increase your wealth.
Read MoreIt’s officially that time of year again when the kids return to school. We thought we’d write a little bit about drop-off etiquette that will help you plus everyone around you stay safer. Here are some tips to help make the process of the drop-off more streamlined and keep you away from fender benders in the car.
Arrive a little early: Coming just a few minutes earlier will help avoid any rushing in the line that could potentially cause frustration and even an accident.
You wouldn’t hastily buy a motorcycle, so you must take the same care when purchasing motorcycle insurance for your bike. You want coverage that best fits your needs. Similar to auto insurance, most states require liability insurance on your bike. But, if you want more here is some information to help get you started on your coverage journey.
Read MoreNow that you understand how insurance can help protect your assets and how to file a claim, what are the steps involved if something does go wrong? How do these insurance claims work? Each type of insurance will have a slightly different process but there are several similarities across the board. In a nutshell, you’re filing the claim to get compensation to cover the losses involved. It’s important to note here that if you haven’t met your deductible throughout the year, you will be required to pay that first. It’s crucial to know what your deductible is as you want to make sure that damages are over that number.
Read MoreIt’s important to consider pet insurance when your pet is still young and healthy. Large vet bills can pile up and not just when your animals get old and emergencies can happen at any turn even with young pets. Do you have enough savings to cover a potentially expensive vet bill? It can give you peace of mind but don’t wait until they’re old and having health issues. It’s also not a good idea if you have the money to cover their vet bills and want to take the financial risk. So, after you consider these factors how do you know which pet insurance plan is the best for you and your animal? Here is a list of the different coverage options.
Read MoreWe all know that your age, driving experience, and claim history all affect your car insurance. But what about your credit and does it just affect your auto policy? Well, in short, the answer is no. It can affect your homeowner’s insurance and life insurance rates as well. Statistics show that someone with higher credit scores is more likely to pay their premiums on time and less likely to file claims. Good credit is something that insurance companies are looking for when assessing someone’s policy costs. However, these insurance credit scores work somewhat differently than FICO credit scores.
Read MoreWe came across a really good article today that talked about smart devices that will upgrade your home. Some were to increase security, such as video camera door bells and others were things that monitor your water. This got us thinking that we should write something about home improvements that will increase your home’s value while also lowering your homeowner’s insurance premium. Here are some ways to do just that!
Upgrade Security: installing a security system increase your overall home security. The size of the discount is based on the quality of the system.
Flooding is the most common type of natural disaster. Climate change is increasing the intensity of storm surges. It has directly affected the rainfall and snowmelt levels across the globe, according to the Intergovernmental Panel on Climate Change. Let’s take a look at why climate change can increase flooding potential.
Heavier precipitation:
Has occurred as a result of warmer atmospheres.
Storms will also generate 27% water than they did 100 years ago.
Summertime is officially here today with the heat getting up to the nineties! We know a lot of you have golf carts “down the shore” to get around with ease from your summer home to the beaches. We’re right there with you. It’s especially important to understand why you need golf cart insurance if you’re driving on the roads and what it covers. Here are some things that golf cart insurance covers.
Read MoreSummer time is here and with that means shore time. For those of you that are thinking of purchasing a boat here are some tips to choose the right type for your needs.
Read MoreThe big question of whether renting or buying is better has been at the forefront of everyone’s mind these past few years. There is no easy answer. It depends on your personal goals. Rent and mortgage interest rates have been climbing since the pandemic so there are some considerations and questions you need to ask yourself to determine which on is right for you. There are three things to consider when considering and those are financial, lifestyle and personal goals.