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Reasons Why Your Car Insurance Rates Changed

Learn what factors caused your auto insurance rates to change. Did you notice that your insurance premiums changed when you reviewed your auto policy?  While some rate changes are the result of an accident or a claim, there are other factors that could contribute to your rate changes.  Here are some of the things that could have caused your rates to fluctuate. Remember… It’s important to keep in mind that auto insurers calculate their clients’ premiums annually.  Their calculations are Read More

Who Does My Auto Insurance Cover?

Find out who is covered under your auto insurance policy. Before you lend out your car to your friends and family members, it’s important that you understand who is covered under your car insurance.  If you are confused about who is covered by your insurance, don’t worry.  Here are some of the people that are safely covered by your policy. Immediate Family Members People who are living in the same house as you are generally covered by the same insurance policy as you are.  This means that Read More

Do You Have Gaps in Your Home Insurance?

Make sure you don’t have these home insurance coverage gaps. While homeowners know that they need to have the protection that home insurance offers, many do not realize that standard home insurance policies have coverage gaps.  To ensure that you are getting all the protection you need, make sure you watch out for these coverage gaps. Home Based Business If you operate a business out of your home, then your home insurance policy might not be giving you all the coverage that you need.  You Read More

Water Heater Maintenance Tips

Here are some helpful tips for your water heater. Most of us don’t give much thought to our water heaters until they stop working.  However, if you want to avoid taking an icy cold shower this winter, it’s important that you take steps to maintain your water heater.  Here are some simple tips to help you take care of your water heater this winter. 1) Locate It While this is obvious, it’s important that you know where to find your water heater.  In most homes, the water heater is located Read More

Top Reasons to Create a Will

Find out why you should write a will. While the idea of creating your will might seem morbid to you, there are some reasons why you should undertake this important task.  Here are the top benefits of writing your will now. 1) Choose a Guardian What would happen to your children if you were to pass away without a will?  Well, if you do not have a will, the state will choose who will care for your children.  To avoid leaving your children with an unfit guardian, it’s important that you Read More

How to Prevent Frozen Pipes in Your Home or Business

Frozen pipes can cause big problems.  It is going to be very cold for the next 24 hours and that is when we often have lots of frozen/broker water pipes.  Here are a few tips that might prevent you from having a potential water loss to your home or business. Place insulated faucet covers over your outdoor faucets. Lowe’s is well stocked with these. Open you cabinet doors beneath your sinks in order to let the warm air circulate around the pipes. If your sink or bathroom plumbing is in Read More

What You Need to Know Before Renewing Your Auto Policy

Make sure you get the answers to these questions before you renew your auto insurance this year. The start of the New Year means that it’s time to think about renewing your auto insurance.  However, before your insurance provider sends you your renewal notice, make sure that you have all the information you need regarding your policy.  Not sure what you should know?  Here are some of the questions you should ask before you renew your auto insurance policy for another year. Am I getting the Read More