You’re a Sole Proprietor—Do You Need Commercial Auto Insurance?

The distinction between personal and commercial vehicles is clear for many businesses: the company either owns the vehicle or does not. However, the situation can be more complicated for sole proprietorships or independent contractors. If you own a pass-through business, then the lines between your personal life and commercial life may be somewhat blurrier. In general, there's a clear cut-off if you own a vehicle or multiple vehicles you use solely for business purposes or if you have a vehicle primarily driven by employees.   Read More...

Does Age Play A Role In Auto Insurance Rates?

Have you ever wondered what information matters to insurance companies when calculating quotes? If you have ever called for a quote, you will probably remember that the agent asked a lot of questions, including your age. Your age is one of the leading factors that will affect the amount of money you must pay for coverage. Do you know why? Do you understand the effects of a person's age? You can learn more about this by reading the following three things.   Read More...

3 Ways To Insure You Homeowner's Insurance Will Cover All Of Your Personal Belongings

If you have homeowner's insurance, you expect it to be able to cover the cost of replacing all of your personal items should they become lost or damaged. However, in order for your insurance to cover the cost of your personal items, you need to keep proper records of them. Here are three tips for making sure that your homeowner's insurance will cover the cost of replacing all of your personal belongings should they be damaged.   Read More...

A Guide To Understanding The Moneyguard Insurance Option

Given the often exorbitant cost of long-term care and the long periods of time that some people need to use it, it is obvious that planning for its possible use needs to be a part of every financial plan. While the option of long-term care insurance is not new and has been used successfully for many years, the moneyguard policy is not as well-known. The moneyguard policy is actually an example of a life insurance policy that allows you better flexibility when you are determining the amount of money that will be earmarked for long-term care.   Read More...

3 Auto Insurance Mistakes That Could Cost You Money

As a car owner, you want to make sure you get the insurance coverage you need without overpaying. Unfortunately, in an effort to save money, some car owners end up making costly mistakes with their coverage. If you are in the market for insurance, here are some mistakes that could negatively impact your bank account.   Opting for the Minimum Coverage Required One way that some drivers try to save on coverage is by only opting for the minimum coverage required by state law.   Read More...