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Personal Insurance

african american college student

The Five Types of Insurance Every College Student Needs

Parents face many challenges in preparing a child for college. The process generally starts in the junior year, including monitoring grades, applying for scholarships and grants, and visiting various college campuses. The focus on college can become an all-consuming task. Once a college is chosen, and your child is accepted,

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two young girls sitting on the trunk of a car before a summer road trip

Before Your Last Summer Road Trip, Check Your Car Insurance

If you are planning a last summer road trip, your insurance matters more than ever. An auto accident is most likely to occur in the summer months, with August and September topping the list, as reported by the NHTSA (National Highway Traffic Safety Administration). The streets, roads, and highways are

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Do I Need Insurance for Undeveloped Property

Do I Need Insurance for Undeveloped Property?

If you own undeveloped property, does it need to be protected with a separate insurance policy? The personal insurance section of your homeowners policy may cover vacant land up to a specific limit. If a lawsuit is filed against you for personal injury on the property, the policy limit may

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Non-Motorized Boat Insurance

Do I Need Boat Insurance for a Non-Motorized Boat?

Depending on where you live, you may not be legally required by the state to carry boat insurance for a non-motorized boat, but that is not the only reason to insure your boat. If you have invested in a sailboat, kayak, canoe, or RIB (rigid inflatable boat), boat insurance will

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Driving Safely in Heavy Traffic

Driving Safely in Heavy Traffic

Navigating your vehicle in heavy traffic is stressful – and dangerous. To avoid a collision, follow these simple tips for safer driving in heavy traffic.  Relax. You will eventually reach your destination, and being a few minutes late is better than being involved in a collision!  Drive Defensively. Other drivers

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Tips for Maintaining Your Roof

Tips for Maintaining Your Roof

You want to ensure the roof on your home lasts as long as possible. Performing basic maintenance can prolong the life of your roof and help you avoid the cost of a new roof for much longer.  Replace Roof Shingles If your roof has missing or damaged shingles, they should

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Beginner’s Guide to Personal Umbrella Insurance

Beginner’s Guide to Personal Umbrella Insurance

Personal umbrella insurance serves an essential purpose, as it provides liability protection above and beyond the policy limits on your vehicle, home, or boat. Every insurance policy has limits, and personal umbrella insurance kicks in once you have exceeded those limits, expanding your protection if a claim or lawsuit is

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Simple Car Maintenance Anyone Can Do

Simple Car Maintenance Anyone Can Do

All vehicles require regular maintenance. Some maintenance you can do yourself and avoid the cost of an auto mechanic. Just like ensuring you have the best deal on your auto insurance, performing basic maintenance saves you money. Are you a dedicated do-it-yourselfer? Even if you have never done vehicle maintenance

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homeowner-claim

When to File a Homeowners Insurance Claim

A home is a major investment, and home insurance is designed to protect it. We pay premiums in exchange for coverage, so the natural inclination is to file a claim when a covered loss occurs. The reality is not so clear cut. Filing a claim under the wrong circumstances can

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