2018

Buying A Home? 3 Things To Know About Getting Insurance Coverage

When you purchase a new home, you are going to need to purchase an insurance policy to go with it. Not only is purchasing insurance a smart move, it is going to be required by your mortgage lender. #1 Always Compare Coverage Between Companies When you are shopping for home owner's insurance, never go with the first offer that you get. Always take the time to get quotes from at least three different insurance companies.

What Will You Learn In Property Insurance Classes?

If you are looking for a rewarding career in the insurance field, you will have to get a property and casualty insurance license. In order to get this license, you will have to take training courses and then pass the exam that is set forth by the state in which you live. One component of the training you will undergo will be property insurance classes. This is only one part of what you will learn about before taking your exam, but the property insurance class will expose you to a wealth of knowledge on insuring property.

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.