I'm renting out part of my house. Do I need special or extra home insurance?


Owning a home requires the need to purchase good home insurance to protect it. The type of insurance that you need depends on how you want to be protected and which damages you want to be covered. It could also depend on the home itself, the structure, its age, its location, etc. Lastly, the insurance could also depend on how you are using your home. Renting out a house is a good way to earn extra income. For homes that are partially used for rent, in many cases, the rental income is enough to ...

5 Reasons Why You Need RV Insurance


Summertime is nearly here and if you own a Recreational Vehicle or RV, you probably can't wait to hit the road. With so much invested in your home on wheels you want to ensure it's protected should something unexpected happen. Special insurance coverage for owners of vehicles like travel trailers, motorhomes, fifth wheels, and truck campers offer RV specific protection that you can't get with "ordinary" auto insurance. Having the right RV policy will allow you to relax and enjoy your adventures ...

A Parents Guide to Cheaper Teen Car Insurance Rates


If you're the parent of a teenage boy or girl who has reached the driving age then you probably already have enough headaches of your own. Don't let paying for expensive teen car insurance create a financial headache as well. Finding cheap car insurance for teens may seem impossible, but there are several ways to minimize the costs once your teen starts driving. Tip #1 - In most cases, it's cheaper to add your teen to your current auto insurance policy rather than getting a separate policy for...

Boating Safety: 6 Tips to Keep You Safe This Summer


We can help you protect your boat, but it's up to you to protect yourself and your passengers when out on the water. Whether you are new to boating or been around them all your life, it's important to make sure that you and everyone else aboard follows basic safety guidelines and practices common sense. These boating tips will help keep your next trip on the lake or river both safe and enjoyable. >> Life Jackets! - Life jackets save lives. It is recommended that all passengers wear a life...

Are You a Fuel Efficient Driver?


Everyone hates to see gas prices on the rise and obviously we would rather be paying less than the current price. We often hold the oil companies or even the government responsible, but are you doing your part to "lower" those prices? Owning a super fuel efficient vehicle isn’t the only way to be green and cut costs. You as a driver can make your car more fuel efficient. Research shows that adopting fuel efficient driving techniques can make your vehicle 30% more fuel efficient. How? Take ...

4 Ways to Ensure Your Child's Car Seat is Safe


A child car seat is designed to keep your little ones secure when riding in a vehicle, but The National Highway Traffic Safety Administration reports that 3 out of 4 car seats are not used properly. If that's the case, then how do you know if you're using them properly? It seems like a pretty simple concept, but there are several factors to consider when buying and installing your child's car seat. Here are a few of the most common questions parents have: 1. How do I know what type of seat to ...

What Everybody Should Know About Flood Insurance


Floods are one of the most common of natural disasters that happen several times each year. They are one of the main causes of infrastructure damage around the world, a lot more common than any other natural disaster that may hit a populated area. This is why it is absolutely necessary for you to have insurance that also covers damage due to flooding. Some homeowners unfortunately are unaware that their insurance policies don't actually cover flooding damages. It is always said that an ounce of ...

The Different Types of Life Insurance Explained


Most of us buy insurance to protect our possessions, such as our home, car, and even our pets, but life insurance is probably the most important insurance policy you'll purchase over the course of your lifetime. The right policy helps ensure that your loved ones won't be burdened with debt when you're no longer there to care for them yourself. But, before you can buy life insurance, you'll have to decide what kind of life plan will be right for your family. Buying life insurance can confusing ...

Why Choose an Independent Agent?


We purchase insurance policies from an insurance company because we want to protect ourselves financially from any type of loss. The process of finding the right insurance can be overwhelming and without the right kind of agent the process of actually filing a claim can be even worse. Many people believe it doesn't really matter where you buy your insurance, but this misconception could be costing you money, service, and protection. When searching for an insurance partner, it's important to kn...

Driving in the Rain - Simple Tips to Keep You Safe


Driving in a downpour can be a real bummer, especially if you were looking forward to a nice refreshing day brimming with sunlight. The simple sight of those dark clouds alone is often enough to make any normal day seem gloomier than usual. More importantly, rain can be an indirect cause of traffic accidents and mishaps. As innocent-looking as it is, rain can cause several things that might make your quiet ride through the urban jungle go awry. Staying safe is always the top priority and we have...