Bill Quickel's - Insurance Plus Agencies Inc. Blog
When most people think of life insurance they think of the end of life needs. Most people think life insurance is just to cover the cost of estate taxes, paying off debt, replacing income, or mortgage protection which are all valid reasons for life insurance. Life insurance does more than just cover the loss of income or pay off debts when someone dies. If set up correctly; life insurance can care for you in a variety of ways. Agents use what is called a “rider” or insurance clause to add in the right protections for your future. With the right rider life insurance can give you financial protection against cancer or other critical illnesses that may strike later in life. Life insurance can be written to provide income if you become disabled. There is assistance with long term care if written into the life insurance policy as well.
The first step when doing renovations in your home: Get in touch with your home insurance provider. Below, we'll run down the basics of what you need to know, but every insurance provider has their own rules regarding renovations, and the only way to avoid an insurance gap is to make sure that you keep them up to date every step of the way.
If you find yourself in possession of a house with no occupants, a vacation home, a retirement home or a home that you are planning to rent out someday, you may question whether it's worth buying home insurance to protect it while it is vacant. Here's what you need to know:
Assuming payments are made on time, it does happen from time to time that a home insurance provider chooses to drop one of their clients. This isn’t common, but is possible. Luckily, it's not that hard to stay in good standing with your insurer. Here are the most common causes for being dropped by a provider:
Whether car insurance covers the car or the driver is a common question when it comes to figuring out what you can file a claim for. If you borrow your friend's car, are you covered under your policy or theirs? If you're renting a car, do you need to buy additional coverage? The truth is that the answer to this question is not so cut and dry.
Are you planning to build a garage onto your home? You may be thinking about the differences in an attached and detached garage.
It may be a good idea to speak to your home insurance agent about the difference. Various factors impact the cost related to each type of garage. You should know what to expect before you invest here.
After a car accident, one of the first things you should do is call your auto insurance provider. Your agent is your go-to solution. They will work with you, the police, and the appraiser to ensure repairs happen quickly. Consider for yourself some of the benefits of their service.
It is important for you to follow the guidance your agent provides. There may be specific shops to visit for repairs trusted by the insurer. The process does not have to take long. However, it has to be complete.
As you shop, a driver sideswipes your vehicle in the parking lot. They leave. What are your options? Private property damage is not uncommon. It can occur at your home, in a parking lot, or just about any other location. The police may be able to help. Your auto insurance agent can help you, too, depending on the type of insurance you have.
There's no reason why every senior doesn't take advantage of these incredible discounts & offers available to them.
In today's world, the dollar doesn't go as far as it once did. And it seems that the ones that are hit the hardest in today's economy are retirees who are generally on a strict budget.
Fortunately, there are some incredible discounts & special offers available to save folks a lot of money. Use this guide to see how much you could save! Don't be surprised if you haven't seen some of these before!
If you cause an accident, meaning it’s your fault, you can probably understand that your car insurance rates should go up. But what if the other driver was 100% at-fault? Even then, it's still possible to see a rate increase. The reason is that it might have been possible for you to avoid the accident.