Not everything you hear about auto insurance is correct. Here are 5 auto insurance facts and myths. [Read more…] about 5 things you may not know about auto insurance
How boat insurance differs from auto insurance
It might seem like boat insurance should be very similar to auto insurance. After all, a boat is like a car on the water, right? You drive it. You park it. And it can be stolen or damaged.
But the truth is that there are several key differences between boat insurance and auto insurance. [Read more…] about How boat insurance differs from auto insurance
6 simple projects to maximize your home’s value
Whether you’re looking to sell your home or just want to make it your own, you don’t need to spend tens of thousands of dollars on improvement projects.
Here are 6 projects you can undertake today to boost your home’s value. [Read more…] about 6 simple projects to maximize your home’s value
How your credit score affects your auto insurance
Underwriters determine auto insurance premiums using factors such as the driver’s age, driving history, education level, domestic status and even credit score.
Among the factors taken into account to determine premiums, credit score is the most controversial, and can force customers to pay hundreds of dollars more in auto insurance premiums each year.
Controversy aside, insurance companies have solid data to defend their use of credit scores. While insurers have been using credit scores to determine premiums since the mid-1990s, the Federal Trade Commission found in 2007 that credit scores are in fact an accurate predictor of the likelihood of filing a claim.
Here are a few your credit score affects your auto insurance rates. [Read more…] about How your credit score affects your auto insurance
Securing your business from break-ins
Keeping your small business protected from thieves and vandals is often overlooked until after the fact—an unfortunate event that can often be prevented with some forethought.
Any business with expensive inventory or equipment should be especially careful to keep intruders out. Here are a few ways to secure your small business against break-ins. [Read more…] about Securing your business from break-ins
What is covered by comprehensive auto insurance?
Comprehensive insurance for your automobile covers all types of damage related to your vehicle that is not caused by a collision.
Comprehensive auto insurance protects your vehicle from the elements, such as hail or wind damage, it covers the cost of your vehicle when it is stolen, it covers damage if you hit a deer, and it will cover damage caused by vandalism. It covers a wide array of other perils, but you shouldn’t assume it covers your vehicle for everything.
[Read more…] about What is covered by comprehensive auto insurance?
What to do when someone gets hurt at your business
It’s a business owner’s worst nightmare: Someone gets injured on your premises and suddenly you’re facing the possibility of a liability claim or, worse, a lawsuit.
It’s easy to overreact in this situation. Knowing what to do beforehand can help you handle the situation calmly and efficiently. Use this simple guide to come up with a plan for dealing with an injury at your business. [Read more…] about What to do when someone gets hurt at your business
14 factors affecting your homeowner’s insurance rates
Besides the value of your home, a great many factors influence how much you pay for homeowner’s insurance. Here are 14 of the most common. [Read more…] about 14 factors affecting your homeowner’s insurance rates
A simple guide to insuring art, jewelry and collectibles
From toys and dolls to art and jewelry, Americans love to collect things.
Whether you collect to relive your childhood or simply for the thrill of the hunt, the last thing you want to worry about is what would happen if your collection were stolen, damaged or destroyed.
Even if your collection is irreplaceable, taking out an insurance policy designed for collectibles can protect your investment and provide peace of mind. Here’s what you should know about insuring collectibles. [Read more…] about A simple guide to insuring art, jewelry and collectibles
Who’s covered by my boat insurance policy?
Boat insurance in New Jersey isn’t like auto insurance. Without any legal requirements for coverage, boat owners are free to decide which coverages (if any) they want their policy to include.
One of the biggest reasons to get insurance coverage for your boat, despite your lawful ability to operate a boat without it, is to protect yourself and others in the event of an accident resulting in significant medical or legal costs.
But with a host of coverage options, it can be hard to know which ones you need to make sure everyone is covered. Here’s a simple guide to who is and who isn’t covered by different types of policies. [Read more…] about Who’s covered by my boat insurance policy?