When everyone was laid off for the pandemic, people started looking for ways to make money from home. A lot of people found they could make and sell food products. They may have had a garden and sold produce, baked cakes, pies, cookies, and such then sold them, or they may have even made whole meals and delivered them. If you did this, and are still doing it, you need to have business insurance.…
Read More »Are you shopping around for home insurance for the very first time? The buying process can be very confusing, with new terms being used that you are completely unfamiliar with. Here are some frequently used terms that you should know as you start shopping around. Actual Cash Value You will see many items referred to as having an actual cash value, especially when it comes to personal property coverage. This is used to describe the value of what an item is worth today after depreciation.…
Read More »Insurance companies use your insurance history to calculate your premiums. With a few exceptions, some insurance history is better than no history. For example, teenagers without any insurance history might pay more than their counterparts who have been on their parent’s insurance policies. Below are some aspects of your insurance history that interest insurance companies. Denied or Cancelled Coverage Your insurance company wants to know whether other companies have canceled or denied you coverage in the past.…
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