Sandra Cole

Home Insurance Too High? 4 Tips To Help Lower Your Premiums

If your home insurance is currently too high, there are things you can do to lower the premiums. You can then spend this money on other things or save it. To get started, below are four of these things so you can determine if you would like to do any or all of them. Make Your Home Safer Making your home safer will help prevent someone from breaking in. This affects your premiums because when someone breaks in, they may damage your home as well as stealing valuables that the insurance company has to cover.

Tips For Insuring A Second Home

If you own a house already and are in the process of buying a second home to use as a vacation home, you will need to contact a home insurance company to purchase a policy for this new house you are buying. As you do this, here are several things to know about insuring a second home. You should bundle Bundling is a common service offered by most insurance companies, and it is one of the best ways to save money.

Four Reasons To Work With An Independent, Personal Insurance Agent

If you need insurance for a home, vehicle, or other items, there are a couple of approaches you can take. You could call an insurance company of your choice and just buy a policy through their agent. Or, you could contact a personal insurance agent, who works independently of insurance companies, and let this agent shop around and find insurance for you. While many people have good experiences buying directly from an insurance company, there are a few benefits of working with an independent personal insurance agent.

Should You Cancel Your Homeowner's Insurance After Paying Off Your Mortgage?

You probably know that if you have a mortgage on your house, your lender will require that you carry homeowner's insurance on the house. This is a standard requirement by all lenders, but the requirement is no longer valid once you make the last payment on your mortgage loan. At this time, you might wonder if you should cancel your homeowner's policy because you no longer are required to have it.

Some Things You Should Know About Your Home Insurance

Carrying home insurance is incredibly important. If this is your first time owning a home, then you are probably wondering who to choose for your insurance, how much you should spend on it an so forth. Here are some things that you should know:  What Kind Of Coverage Should I Be Getting? There are standard types of insurance that are pretty common for most homeowners. If you are owning a normal single family home and not doing anything crazy in the home, then you might need something else.

Tips For Using The Health Exchange To Reduce Your Stress

If you have recently lost your job or if your employer no longer offers a health insurance plan, then you may need to find a health insurance policy for yourself on the individual marketplace. This is often confusing and stressful for individuals who are unfamiliar with the exchange. However, there are a few tips that can help reduce your stress. You Can Call The Exchange There are several ways that you can fill out your application for health insurance and gain access to the exchange.

Tips To Help You Be An Informed Auto Insurance Consumer

Buying car insurance may not be the most exciting task that you will do, but it is easily among the most important steps that can be taken to protect yourself from one of the more routine threats that you may face. Appreciate The Reasons You Car Type Impacts Your Insurance When you are in the process of looking for a new car to buy, you should be aware that the make and model of car that you buy can impact your insurance premiums.

3 Things To Understand About Cost Bonds For Court

Court bonds are provided by insurance companies. They are designed to help you cover yourself if you find yourself in court for a variety of reasons. A court bond is a specific type of surety bond. Here are four things you need to know about cost bonds. #1 Cost Bonds Are Issued By Insurance Companies Court bonds are issued by insurance companies. You have to work with insurance companies that specialize in bonds in order to secure a cost bond.

Why You Can Never Go Without Business Insurance

As a business owner, it is very important for you to carry business insurance at all times. However, there are many company owners that have allowed their insurance, either accidentally or on purpose. Either way, this is not something that you can ever allow to have happen. Here's why: You Could Lose Investors If you have investors that you need to keep happy so they will continue to invest in your business and in your dream, you will need to keep the business insurance policy in place at all times.

Tips For Seniors To Save Money On Car Insurance

It is not uncommon for auto insurance companies to charge higher rates to drivers once they reach 65 years of age. At this age, people are often considered high-risk drivers, simply because statistically people over the age of 65 have a higher chance of filing claims on their auto insurance policies. If you are reaching this age and do not want to pay more for your car insurance, here are some tips that may help you save some money: