What Car Insurance Coverage Do I Need?

It is a question we all have asked – “What car insurance coverage do I need?”. The answer varies depending on the individual. Everyone is required to carry state minimums but that may not be enough. You need to talk to an insurance agent to determine the right amount of coverage for you. Here are some things to keep in mind when having that conversation.

Auto Insurance Includes:

  • Liability
  • Comprehensive
  • Collision
  • Uninsured Motorist
  • Medical Payments
  • Rental Reimbursement
  • Roadside Assistance

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Homeowners Insurance Quick Overview

What does a Homeowners Insurance Policy cover?

Coverage varies but it starts with insuring the home itself, many items in the home and liability insurance. A general homeowners insurance policy doesn’t cover everything. Add on policies expand coverage to include such things as identity fraud and water backups. Yes, water back up is not part of a basic homeowners insurance policy.
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Monthly Home Maintenance Suggestions

Preventative maintenance done on a regular basis, can help save your home from any costly damages or repairs that may come later on in the life of the home. Here are some steps you can take to protect your home and yourself from those costly things.

  • January: Clean the condenser coils behind and beneath your refrigerator. This is to help keep your unit cooling efficiently.
  • February: Inspect grout and caulk around sinks, bathtubs and showers, just to make sure that any repairs can be made or replaced.
  • March: Replace all the batteries and test smoke and carbon monoxide detectors in… Continue reading