If you’re like many people, open enrollment periods for health insurance might seem arbitrary and unnecessary to you, especially since there are exceptions to the rule. As such, it might surprise you to learn that there’s nothing arbitrary about open enrollment. There’s a strategic reason that health insurance companies require you to sign up for […]
Why Do Open Enrollment Periods Exist for Health Insurance? Read More »
Rolling out of bed just before the start of work. No need for a suit, tie, dress, or skirt. No commute. These are just a few perks of working from your home office. But depending on what you do in your home office and how you do it, you might need to increase your renter’s
Do I Need Insurance for My Home Office in My Household Read More »
As a business owner, you know how complex the considerations surrounding insurance can be. Part of getting the most out of your insurance coverage is knowing how to balance your personal and commercial insurance. As a result, a common question many business owners have is whether to place your vehicle on your personal insurance policy
Should I Put My Automobile in My Personal or Commercial Insurance? Read More »
If you’re struggling to keep cool during those scorching summer days, the good news is that your insurance company won’t raise your rates simply because the mercury in the thermometer is rising. The bad news is that summertime heat can affect your rates for home and auto insurance. This could force you to spend more
Can the Summertime Heat Affect Insurance Rates? Read More »
Floods have impacted nearly every county in the United States in recent years. Flooding can significantly damage your home or business. A single inch of water can cause $25,000 in damage to a property. While you might hear more about earthquakes, fires, hurricanes, and tornadoes, flooding is the most common disaster in the U.S. —
Should I Buy Flood Insurance for My Home or Business? Read More »
As a business owner, you’re always looking for opportunities to trim costs to help improve your bottom line. You likely stay on top of the expenses that help keep your company in business, including commercial property insurance. While you may not be required to carry commercial insurance in your state, operating your business without it
How Are Commercial Property Insurance Rates Determined? Read More »
For many people, getting car insurance is as simple as going to an insurer’s website, choosing one of its pre-selected plans, and paying for it. Getting insurance this way might be easy, but you often end up paying for coverage you don’t need. And if you aren’t looking closely at the fine print of the
How Do I Find a Reputable Car Insurance Agent? Read More »
After an accident, your insurance provider may submit a reimbursement payment for the covered claim, and though that can certainly be helpful at that moment, you may wonder what it means for you when it comes to tax season and whether you’ll have to pay federal taxes on personal or commercial insurance payments. Generally, the
Do You Pay Federal Taxes on Insurance Payments? Read More »
Tractors can be found just about anywhere: on farms, at construction sites, along the road, and even in your neighbor’s backyard. With about 300,000 new tractors sold each year in the United States, they are the go-to equipment for plowing, planting, and moving big items around on farms and elsewhere. Interestingly, there is no legal
What Is the Importance of Tractor Insurance? Read More »
Homeowners insurance and farm and ranch insurance both provide coverage for your property. However, these two policies differ in the scope of what they cover, as well as the specifics of each policy. What are the main differences between farm insurance and homeowners insurance? The Scope and Limits of Homeowners Insurance A typical homeowners insurance
What Is the Difference Between Ranch Insurance and Homeowners Insurance? Read More »
