Exploring Insurance Policies to Make Informed Decisions

A home is an expensive investment, and no homeowner wants to deal with serious damage to their property. But sometimes, accidents or unexpected events happen that may require you to file a claim on your homeowners' insurance policy. If you've never had to do this before, you may be confused about what to expect. Keep reading to learn what steps you should take if you need to make a home insurance claim.

Your teen finally has their learner's permit. Now's the time to start preparing for changes to your auto insurance. The right insurance coverage is crucial when you have a teenage driver in the family. Here are four of the steps you need to take now that your teen is preparing to receive their driver's license. Notify Your Insurance Company If your teen has their learner's permit, contact your insurance company as soon as possible.

Criminal activities in your neighborhood can affect your auto insurance rates. Below are some of the crimes that can affect your rates, and how to mitigate the effect. The Major Crimes Many types of crimes can affect auto insurance rates, but the following are the ones to worry about the most. Auto Theft If you have comprehensive coverage and your car gets stolen, your auto insurance carrier may compensate you.

General liability insurance and professional liability insurance are two types of commercial insurance that cover you when you're sued by a customer or another business. However, the matters that they cover are quite different. How can you tell which types of coverage your business needs in order to protect itself legally? Read on to learn what each type of insurance covers and how to tell if your business needs to carry professional liability insurance as part of its commercial insurance policy.

When you got pulled over after a night out with friends, you probably knew what was coming next — an arrest. If you drink before you get in a car to drive home, you always take the risk of getting arrested for a DUI. Fortunately, many people who get DUIs can continue driving afterward, but they often need SR-22 filings. Here are three reasons that an SR-22 is a common requirement after a DUI.

If you ever went through a car accident and had no vehicle to drive while your car was in the shop getting fixed, you probably wish you had rental reimbursement coverage insurance. Have you heard of this type of coverage? If not, you should continue reading to learn more about what it is and how it works. After learning these things, you might want to call your agent and add it to your policy.

As a budding photographer, you need the right commercial insurance coverage to protect your business. Here are some of the various forms of coverage your insurance should include. Business Property The premier coverage you cannot miss is that of business property insurance. You need this coverage to protect you from loss, theft, or damage of your photography property. That way you won't miss work because your filters, tripod stands, camera, or computer have suffered electrical damage.

How often should you shop for auto insurance? Whether you're on the hunt for a better deal or expanded coverage, take a look at the best times to search for a new policy. You've Had Insurance for More Than One Year You haven't had any major changes or accidents. Does that mean your insurance should stay the same? Think of your insurance exploration as an annual wellness checkup. A conversation with an agent can help you to determine whether you have the best coverage possible.