Having liability auto insurance is a requirement for California drivers. Yet many people who have blemishes on their driving records encounter challenges with obtaining high-risk auto insurance (also known as nonstandard car insurance). Insurance companies calculate a person’s risk using several factors, and having a poor driving history could limit your options for obtaining a …
Continuar leyendo "Understanding High-Risk Car Insurance & the CAARP Program in California"
Many insurance policies have deductibles, since they’re a valuable aspect of a company’s expenses. Before selecting coverage that includes a deductible, you must understand how it applies to your business, what costs you’re responsible for, and other essential details. Keep reading to learn more about commercial insurance coverage that comes with a deductible, its cost, …
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Your auto insurance provider may not approve of an individual living in your home operating your vehicle, even if the person is old enough and has a legal driver’s license. Various factors can contribute to this, and the individual is prohibited from driving your vehicle, even in most emergencies. Keep reading as the experienced professionals …
Continuar leyendo "What Is an Excluded Driver on Your Insurance Policy?"
Burglaries can rob property owners of their sense of security along with the valuable items criminals steal. Most general home insurance policies contain provisions for covered perils that can sometimes include stolen property. Yet burglary coverage goes a step further by offering compensation that can help you restore the structural integrity of your property or …
Continuar leyendo "How Burglary Coverage in Homeowners Insurance Protects You"
Electrical issues, operator errors, improper storage, normal wear and tear, and lack of staff training are reasons a company’s equipment can break down. Failing to have the issues fixed could lead to setbacks, both financially and in terms of productivity halts. However, with equipment breakdown coverage on a commercial policy, you can avoid these problems …
Continuar leyendo "What’s Covered by Commercial Equipment Breakdown Insurance?"
Auto insurance is a requirement in California, and making sure your policy doesn’t lapse is important for your financial security if a serious accident occurs. Since auto insurance is a priority, both state and local insurance companies offer grace periods to help people avoid lapses in their coverage. Taking a look at how grace periods …
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Jumping on a trampoline is often high on children’s wish lists, leading to a lot of fun and excitement. It also comes with various health benefits for youth and adults, including enhanced immunity, weight loss, increased balance and circulation, reduced stress, and stronger bones. Even so, having a trampoline on your property could impact other …
Continuar leyendo "How Trampolines Affect Homeowners Insurance Rates"
Having at least liability insurance is a requirement for California drivers, and you can add on additional forms of coverage to fit your needs for financial security. Most insurance policies last for 6 or 12 months, and it’s important to know when yours ends so you can make the appropriate arrangements for coverage. Taking a …
It’s best to not drive under the influence, whether it’s due to alcohol intoxication or because of medications, either prescribed or over-the-counter drugs. Driving under the influence can raise the risk of license suspensions and other limitations as well as increased rates for auto insurance coverage. If you already have a DUI, here are some …
Continuar leyendo "How Long Will a DUI Impact Your Insurance Rates in California?"
Commercial leases often include terms that require tenants to acquire insurance coverage for the time they’re renting a property. While every commercial property owner or manager can include different requirements, there are a few that are fairly standard. Knowing about these business insurance requirements helps you plan your company’s budget and know you have proper …
Continuar leyendo "Key Insurance Requirements for Commercial Tenants"
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