Factors Determining Commercial Property Insurance Rates
Property insurance coverage is one of the most basic and most important insurance needs of businesses. This is because it protects the most vital part of your business operations – your business properties. Here are some of the factors that will determine how much you pay for your property insurance. Construction This refers to the design of the building as well as the materials used to construct it. The construction is important because some materials or building designs are more susceptible to damage than others.
Five Important Things To Know About Named-Driver Exclusion From Auto Insurance Coverage
Car insurance companies generally assume that an insurance coverage extends to everybody in a household. However, you may be allowed to name specific people that you want to be excluded from your coverage. This is called Named-Driver exclusion, and here are five things you should know about it: Some Carriers Don't Allow It There are auto insurance carriers that won't allow you to exclude drivers in your household even if you want to.
What Types of Insurance Does Your Small Business Need?
If you are just starting your own small business, you may be wondering how best to protect your investment. There are many different types of business insurance policies, but not all types are right for every business. Check out these five common types of insurance your small business may need. General Liability Insurance Just about any business needs general liability insurance. This type of insurance is designed to cover common issues businesses face.
What To Do When The Insurance Company Wants You To Exclude A Driver
Auto insurance policies cover the vehicles they were purchased for, which means any damage to the cars or trucks will generally be covered regardless of who is driving them. However, sometimes insurance companies will insist a policyholder exclude a particular driver from being covered. Here's what it means if this happens to your and what you can do about it. Why the Insurer May Object to a Particular Driver The reasons an auto insurance company may want you to exclude a driver are the same reasons they may refuse to approve a potential policyholder for coverage: the person has demonstrated he or she is a high-risk driver.
4 Life Changes That Can Mean Lower Homeowner's Insurance Premiums
There are many factors that are used to calculate your homeowner's insurance premiums. Much of this is out of your control, and simply is a reflection of your home's value and location. But there are certain factors that may bring down your insurance. Some of these factors are things that come about because of changes that take place in your life. The following are four of these changes. You recently got married
4 Tips For Securing The Cheapest Car Insurance Premiums Possible
Car insurance is something that everyone needs, and in many states, it is the law to carry auto insurance. But no one likes to get a large bill for their car insurance premiums. Luckily, there are many ways to get the insurance coverage that you need without emptying your bank account. Use the following tips to help you get the lowest car insurance rates possible: Request Multiple Quotes When it comes to car insurance, every insurance company charges different rates for the same amount of coverage.
3 Great Ways to Save Money on Your Auto Insurance
Paying for auto insurance is not something you can avoid if you own a car and plan on driving it, but you should not overpay for your insurance coverage. A lot of people overpay, simply because they do not check their policies often to look for ways to save money, but you can avoid this by looking for ways to get discounts and lower premiums. Here are three great ways that you could save money on your auto insurance policy.
Three Times That You Do Not Need Rental Car Insurance
If you are going on a family vacation, or even traveling for business, you may choose to rent a car. While you may be able to go online and find one at a very good rate, you may find yourself surprised when you get to the counter and find out that they are trying to charge you twice as much as you planned. It is a good possibility that the extra fees being charged are for rental car insurance.
Going On Vacation? 5 Tips To Avoid Identity Theft
When you think about going on vacation, you think about having fun and relaxing. You plan to leave the stresses of your everyday life behind and embark on a wonderful adventure that will allow you to experience new things and make brand new memories that will last a lifetime. However, as you do this, you will settle into a routine and eventually let your guard down. Since you will be traveling, you will have sensitive documents with you – personal and financial ones – that could leave you vulnerable to identity theft if you aren't careful.
3 Things To Do Before You Apply For Auto Insurance To Help You Get Lower Rates
Auto insurance coverage rates are based on many factors, some of which drivers have no control over. Other factors, however, drivers do have control over -- and they can take steps before applying for coverage to adjust these factors in their favor. If you're going to be searching for new auto insurance coverage, here are some things you can do the month before you apply for coverage to help reduce your rates.