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Home Insurance

Smart Home Devices That Can Lower Your Homeowners Insurance Premium

Preventative technology has become one of the most practical ways to protect a home and, in many cases, to lower the cost of insuring it. Smart water leak detectors, electrical monitors, smoke and gas sensors, and ... Read More

Insurance

Why Higher Insurance Limits Actually Cost Less Per Dollar of Coverage

Most people assume that doubling their insurance coverage doubles their premium. It does not. In many cases, the marginal cost of the second million dollars in coverage is a small fraction of what the first million ... Read More

Business Insurance

Excess Liability and Umbrella Coverage: What Every Household and Business Should Know

Excess liability and umbrella coverage sound like the same thing, and they often get used interchangeably. They are related, but they are not identical. The differences matter when a lawsuit reaches into the higher layers of ... Read More

Insurance

What Is Motor Truck Cargo Insurance and What Does It Cover?

When a load is stolen from a truck stop, damaged in a rollover, or destroyed in a fire, the trucking company is responsible for the value of the cargo. That financial responsibility does not disappear because ... Read More

Business Insurance

Does Your Business Insurance Cover Generative AI Risks?

Most businesses that use generative AI tools assume their existing business insurance would respond if something went wrong. As of January 2026, that assumption is increasingly incorrect. New industry-wide policy endorsements now allow insurers to formally ... Read More

Home Insurance

Does Homeowners Insurance Cover E-Bikes? What Every Rider Should Know

You bought a $4,000 e-bike, locked it in your garage, and assumed your homeowners insurance had you covered. That assumption is wrong for most e-bike owners in the United States, and the reason is buried in ... Read More

Home Insurance

The Biggest Insurance Gaps Wealthy Homeowners Do Not See Until It Is Too Late

Most affluent homeowners believe their insurance is handled. They carry a homeowners policy with reputable limits, an umbrella policy for extra protection, and possibly a scheduled personal property endorsement for jewelry. On paper, everything looks covered. ... Read More

Insurance

What Is Non-Trucking Liability Insurance and Who Needs It?

Non-trucking liability insurance is one of the most commonly misunderstood coverages in the trucking industry, and that misunderstanding regularly leaves owner-operators exposed during the exact moments they assume they are protected. The confusion is not the ... Read More

Business Insurance

How to Protect Your Small Business From a Lawsuit

Small businesses get sued more often than most owners think, and the financial consequences of a single lawsuit can be permanent. A customer slip-and-fall, a contract dispute with a client, an employee complaint, a vendor disagreement, ... Read More

Life Insurance

When Is the Best Age to Buy Life Insurance?

Life insurance is one of the few financial products where the optimal time to buy is almost always sooner than you think. The math is simple. Premiums are based primarily on age and health, and both ... Read More

Home Insurance

How to Prepare Your Home for Hurricane Season

Hurricane season runs from June 1 through November 30. By the time a named storm appears on the forecast, most preparation options are already off the table. Contractors are booked, supplies are gone, and your insurance ... Read More

Insurance

How to Choose the Right Insurance Coverage for Your Family

Most families build their insurance program in pieces. A homeowners policy when they buy a house. An auto policy when they buy a car. A life insurance policy when a baby is born. The pieces are ... Read More

Insurance

Supreme Court Ruling Changes Freight Broker Liability

On May 14, 2026, the Supreme Court of the United States issued a unanimous decision that fundamentally changes the legal landscape for freight brokers across the country. In Montgomery v. Caribe Transport II, LLC, the Court ... Read More

Insurance

How Insurance Premiums Are Calculated

Your insurance premium is not a random number. It is the result of a specific calculation that combines your individual risk profile with the insurer’s financial obligations, regulatory requirements, and overall claims experience. Most policyholders never ... Read More

Life Insurance

How Much Life Insurance Do I Need?

Most people guess. They pick a round number that feels right, sign the policy, and move on. Years later, when the policy actually needs to do its job, families find out that the round number was ... Read More

Home Insurance

What Does Homeowners Insurance Not Cover?

Most homeowners believe their insurance policy covers them for just about anything that goes wrong. That belief gets tested the moment a claim is denied. A standard homeowners policy is not a comprehensive protection plan. It ... Read More

Business Insurance

What Is Liability Insurance for Small Businesses?

A single lawsuit can end a small business. That is not a hypothetical. It happens regularly, and in most cases it happens to businesses that believed they were protected but were not. Liability insurance is the ... Read More

Home Insurance

How Does Flood Insurance Work?

Floods are the most common and most costly natural disaster in the United States, and your homeowners insurance does not cover them. That gap catches homeowners off guard every single year. A storm rolls through, water ... Read More

Business Insurance

Business Insurance Mistakes Small Companies Make

Most small business owners carry some form of insurance. The problem is that carrying a policy and being properly protected are two very different things. According to the 2025 Hiscox Underinsurance in Small Business Report, 77 ... Read More

Insurance

Rates are falling, but coverage is shrinking: The new insurance trap for landlords

Multifamily property insurance premiums are starting to show signs of leveling off — and in many cases, even trending downward—offering a welcome shift after the recent market volatility. However, these rate decreases are largely dependent on ... Read More

Insurance

Replacement Cost vs. Actual Cash Value Explained

When you file an insurance claim, two words determine how much money you receive: the type of coverage you bought. Most homeowners assume their policy will pay enough to replace what they lost. That assumption is ... Read More

Insurance

How to Review Your Insurance Coverage Each Year

You are probably paying for insurance right now that would not fully protect you if something went wrong. Not because your policies are bad, but because your life has changed and your coverage has not kept ... Read More

Insurance

What Happens If You Don’t Have Enough Insurance Coverage

Most people assume their insurance policy will fully protect them when something goes wrong. But in many cases, the issue is not having insurance at all, it’s not having enough of it. When your coverage limits ... Read More

Insurance

How Inflation Is Affecting Insurance Coverage

Inflation is affecting nearly every part of the economy, and insurance is no exception. Many homeowners, business owners, and policyholders have noticed rising premiums, but fewer understand how inflation is also impacting the coverage itself. At ... Read More
Think about these home insurance endorsements.

Insurance

What Is Umbrella Insurance and How Does It Work?

Umbrella insurance is one of the most misunderstood types of coverage, yet it can be one of the most important when it comes to protecting your financial future. At its core, umbrella insurance provides additional liability ... Read More

Home Insurance

Insurance Mistakes Homeowners Commonly Make

Home insurance is designed to protect one of your largest financial investments, but many homeowners make critical mistakes that leave them exposed when they need coverage most. These mistakes often go unnoticed until a claim is ... Read More

Home Insurance

What Does Home Insurance Actually Cover?

Home insurance is designed to protect one of your most valuable assets, your home. Yet many homeowners are not fully sure what their policy actually covers until they need to file a claim. Understanding the basics ... Read More

Insurance

When Is the Best Time to Buy Life Insurance?

Life insurance is one of the most important financial protections you can put in place for your family. Yet many people delay buying coverage because they assume they are too young, too healthy, or that they ... Read More

Insurance

How AI and Automated Claims Processing Are Impacting the Insurance Industry

Artificial intelligence (AI) and automation are reshaping insurance claims processing, with effects that reach both insurers and policyholders. What once meant manual paperwork, long wait times, and human bottlenecks is now evolving into a more efficient, ... Read More

Business Insurance

Business Insurance for Small Companies: What You Need to Know

Running a small business involves risk. From customer injuries to property damage, lawsuits to employee injuries, unexpected events can happen at any time. Business insurance helps protect your company from financial losses that could threaten its ... Read More

Home Insurance

How to Lower Home Insurance Premiums

Home insurance is a key part of protecting your most valuable asset, but premiums have been rising in recent years due to increasing rebuilding costs, severe weather losses, and other market pressures. While some factors that ... Read More

Home Insurance

Home Insurance Climate Risk: What Homeowners Need to Know

Climate risk is reshaping the home insurance market across the United States. Severe weather events and climate-related losses have become more frequent and more costly, prompting insurers to adjust pricing, coverage availability, and underwriting practices. Homeowners ... Read More

Auto Insurance

How to Insure Collector Cars

Collector cars are more than vehicles. They represent personal passion, automotive history, and often significant financial investment. Knowing how to insure collector cars ensures your prized vehicle is protected in the event of theft, damage, or ... Read More

Home Insurance

What Is Homeowners Warranty Insurance and How It Works

Homeownership comes with ongoing expenses, from unexpected system breakdowns to routine appliance failure. Many homeowners consider homeowners warranty insurance to help manage the cost of repairs and replacements when household components fail due to normal use. ... Read More

Business Insurance

Key Risks Distilleries and Breweries Need to Know

Craft beverage producers are passionate about their product, but running a distillery, brewery, or winery means managing complex operations that go well beyond fermentation and flavor. As these businesses grow, they take on operational vulnerabilities that ... Read More

Insurance

Does Dental Insurance Cover Dentures

Dentures are a common solution for replacing missing teeth when bridges or implants are not suitable. Many people considering dentures wonder if their dental insurance will help pay for them. Dental insurance dentures coverage varies widely ... Read More

Business Insurance

Insurance for a Body Shop: What You Need to Know

Running an auto body shop means handling expensive equipment, customer vehicles, employees and everyday risks that could lead to financial loss or liability claims. Having the right insurance for a body shop is essential to protect ... Read More

Home Insurance

How to Insure Multimillion‑Dollar Homes

Owning a multimillion‑dollar home is more than a lifestyle choice. It is a significant financial investment that requires thoughtful protection. Standard homeowners insurance often falls short of covering the unique risks and high replacement costs associated ... Read More
You don't need to have a physical garage to benefit from garage liability insurance.

Auto Insurance

How Much It Costs to Tow a Car in 2025

Towing a car can be expensive and the cost depends on several factors such as where you are, how far the car needs to go, the type of vehicle, and whether additional services are needed. Knowing ... Read More

Insurance

Life Insurance for Your Home Loan: What You Should Know

Buying a home often means taking on one of the largest debts you will ever carry, your mortgage. You might also wonder how your family would manage that burden if something unexpected happened. That is where ... Read More
Transportation safety for daycare

Business Insurance

Transportation safety tips for daycare and childcare providers

Every time children board your vehicle you take on both ethical and legal responsibility. Transporting children involves unique risks like vehicle accidents, unsafe loading and unloading, and regulatory compliance. Handling this right protects children, families and ... Read More
Get the right parking lot insurance to protect your business from risk.

Business Insurance

What insurance do I need for a parking lot?

Operating a parking lot or garage means managing unique risks such as vehicle collisions, customer injuries and theft. Even a single incident, like a slip on poorly maintained pavement, can threaten the viability of your business. ... Read More

Home Insurance

How to Lower Your Home Insurance Costs

Home insurance is a critical safeguard for your home and belongings, but it doesn’t mean you should overpay for it. Whether you’re a first‑time homeowner or you’ve been in the same house for years, finding ways ... Read More

Auto Insurance

What Is an Auto Insurance Deductible?

If you’ve ever filed a car insurance claim, you’ve likely encountered the term “deductible.” But what does it actually mean, and how does it affect what you pay out of pocket? Understanding your auto insurance deductible ... Read More
restaurant safety training

Business Insurance

20 famous quotes to improve your restaurant’s customer service

Why Service Matters More Than Ever in Today’s Restaurant Industry According to recent food‑service industry data, a remarkable 86% of diners are willing to pay more for an exceptional customer service experience in restaurants. Customers who ... Read More

Insurance

InsuranceHub Promotes Reid Burney to Managing Director of Commercial Sales

InsuranceHub is proud to announce the promotion of Reid Burney to Managing Director of Commercial Sales, recognizing his strong leadership in the transportation division and his continued commitment to client service and growth. Burney began his ... Read More
computer fire

Home Insurance

How to Prevent Your Desktop or Laptop Fire From Burning Down Your House

Most people don’t think twice about leaving their laptops on the couch, bed, or plugged in overnight. But even small devices like laptops can become serious fire hazards when misused or ignored. With millions of households ... Read More

Insurance

Is It Illegal to Use Insurance Money for Another Purpose?

When your insurance company pays a claim, you may wonder whether you must spend the funds exactly as they were intended. Can you use that money for something else? The short answer is: sometimes, but often ... Read More

Current Events

FMCSA Eliminates MC Numbers in 2025: What Trucking Companies Must Know

A major administrative shift is coming to the trucking industry. Starting October 1, 2025, the Federal Motor Carrier Safety Administration (FMCSA) will phase out Motor Carrier (MC) numbers, consolidating all federal motor carrier, broker, and freight ... Read More

Transportation

How to Start a Non-CDL Hot Shot Business: A Comprehensive Guide

Hot shot trucking is a popular option for drivers who want to run a smaller, more flexible operation without the need for a commercial driver’s license (CDL). A non-CDL hot shot business can be a lucrative ... Read More

The fundamentals of insuring your dream vacation home

Sep 11, 2017

If you have a second home of some sort, whether it’s a house or vacation home, you might be wondering how to go about insuring it. You know the drill with insuring a primary residence, but … Read More

The oxymoron that is inland marine insurance and why it’s important

Sep 6, 2017

Question: What’s inland marine insurance? Follow-up question: Does it have anything to do with boats, by chance? Welcome to the world of confusing insurance terminology! Inland marine insurance is a way for businesses to fill gaps … Read More

4 tips to protect your home from a power surge

Sep 4, 2017

In today’s technological age, we’re coming to depend more and more on our electronic devices. Our phones, laptops, and TVs have a special place in our hearts. We’ve convinced ourselves that we can’t live without them. … Read More

Why it’s important to prevent workplace bullying

Aug 30, 2017

You want your employees to feel welcome, safe, and happy when they come to work. You want the sight of your workplace to make them smile, and you want them to have camaraderie with their coworkers. … Read More

Protect your identity: Helpful tips to prevent identity theft

Aug 28, 2017

You probably know someone who’s been through the terrible, frightening experience of identity theft. There are plenty of ways that identity thieves get a hold of people’s personal information, and they’re extremely creative and adept at … Read More

Does my business need bailee insurance?

Aug 23, 2017

As a business owner, you know that you need to make sure you’re protected from all potential risks. Your building is covered by property insurance, your employees are covered by workers’ compensation insurance, your clients are … Read More

How to build a solar eclipse pinhole viewer & view the eclipse safely

Aug 21, 2017

By now you’ve probably heard that we’ve got this kinda cool thing happening today. It’s called a solar eclipse, in which the moon will completely block out the sun. Now, the area of “totality” (meaning that … Read More

Does my small business need umbrella insurance?

Aug 16, 2017

Some claims are just too big for normal insurance. As a business owner, you probably don’t want to think worst-case-scenario about a huge disaster or lawsuit befalling your business. It’s easier to shut those things out … Read More

5 tips to keep your home insurance claim from being denied

Aug 14, 2017

Filing a home insurance claim can be daunting. The reason that you have home insurance in the first place is to help you replace things that have been destroyed by factors outside of your control. It … Read More

How to defuse social media nightmares at your business

Aug 9, 2017

Follow me on (insert various social media platforms here)! How many times do we hear or read that in a day? No matter how hard we try, it’s impossible to escape the reach of social media. … Read More

Helpful tips for insuring your priceless jewelry, art, and other valuables

Aug 7, 2017

Take a wander around your house. Or, if you’re not at home, take a mental tour of your home. Chances are there are a lot of expensive things that you’ve forgotten are there – they’re just … Read More

Are your temporary workers covered by your business’s insurance?

Aug 2, 2017

Sometimes there just aren’t enough bodies around to get all the work done that needs to get done. If you find yourself shorthanded, you might be considering taking on some temporary workers from a staffing agency. … Read More

Understanding the nitty-gritty of your insurance policy in 6 steps

Jul 31, 2017

Yep, trudging through the entirety of your home, auto, or life insurance policy is probably not exactly your idea of a good time. Big words, stuffy language, long sentences…oodles of fun, right? Oh, yeah. Insurance policies. … Read More

How to prevent sexual harassment lawsuits at your business

Jul 26, 2017

No one wants to feel threatened or intimidated at the workplace. Work is supposed to be a safe place, and as an employer you want your employees to feel happy and excited about showing up every … Read More

What you need to know about motorcycle insurance, safety, and saving cash

Jul 24, 2017

Riding a motorcycle is a lot different than driving a car. While cars aren’t without without their risks, motorcycles have an even more dangerous reputation. The motorcycles you see zooming by on the road might look … Read More

From the Desk of Jim Lloyd: The InsuranceHub Journey

Jul 20, 2017

When I look back on the insurance industry, I can’t help but notice how fast things are changing. Today’s insurance world isn’t the same as it was even fifteen years ago, and I think it’s those … Read More

What’s the difference between cancellation and nonrenewal?

Jul 19, 2017

When it comes to your business insurance, it’s important to have the right coverages. But what does it mean if your policy is nonrenewed or canceled? They might sound the same, and it might seem like … Read More

Don’t get on the wrong side of a flash flood this summer

Jul 17, 2017

Flash floods, like the name implies, happen very quickly and with little warning. Usually the summer months have the highest risk of flash flooding because they happen when areas prone to flooding get a lot of … Read More

Why your business needs a return to work program (and how to make one)

Jul 12, 2017

As an employer, one of your worst nightmares might be one of your employees getting hurt on the job. Your employees have families to support. If they’re injured, they’re out of work for as long as … Read More

Keep your newly licensed teen driver safe when they get behind the wheel

Jul 10, 2017

It’s finally happened. Your teenager got their driver’s license, and they’re ready to roll. They’ve been waiting for this moment for years, and they’re ready to ditch you and cruise off into the world. They’re excited. … Read More

Ten ways to manage the risks of using social media for your business

Jul 6, 2017

Connected. That seems to be the magic word these days. Social media has come crashing into society, and its effects have been far-reaching. Businesses feel the pressure to go digital and create social media accounts. And … Read More

7 tips to protect your teen driver with auto insurance (without breaking the bank)

Jul 4, 2017

Have you been living in dread of your teenager’s sixteenth birthday? It’s a much-anticipated or much-feared day, depending on whether you’re the teenager or the parent. Many teens await their sixteenth birthdays with anticipation, looking forward … Read More

How to know if your workers’ comp claim is compensable

Jun 29, 2017

Workers’ compensation insurance can be a real lifesaver for a business if an employee gets hurt or becomes ill because of their job. It’s a way to protect them and make sure that they’re provided for … Read More

How to prevent accidental poisonings around the house

Jun 27, 2017

Kids are naturally curious. They love to explore, and, consequently, they tend to get into everything. Some things that look bright and shiny to a little one, like a laundry detergent pod, are really dangerous if … Read More

How to implement a workplace injury and illness prevention program

Jun 22, 2017

Accidents happen, but it’s generally in everyone’s best interest if people don’t get hurt. And as an employer, you’re the watchdog/fearless leader of workplace safety. It’s your job to be on the alert for potential hazards … Read More

11 tips to use pesticide safely (and win the battle against bugs)

Jun 20, 2017

Summer’s officially here. And with summer comes bugs. Big bugs, little bugs, all sorts of bugs, all of which are most likely not welcome in your home. If you’re facing an insect invasion and are at … Read More

Are there any gaps in your small business insurance plan?

Jun 15, 2017

When you’re a small business owner, you pour yourself into building up your business’s name and reputation in your community. We don’t like to dwell on the negatives and the what-ifs that distract us from the … Read More

What to do if you have to evacuate your home in an emergency

Jun 13, 2017

There are a variety of reasons that you and your family might be forced to evacuate your home and head to a safe area. Wildfires, floods, hurricanes, and transportation accidents might leave your family with no … Read More

Technical difficulties: Does your business need cyber liability insurance?

Jun 8, 2017

Sometimes it feels impossible to get through the day without technology. We’ve come to be extremely reliant on our computers and phones—after all, they do make things easier and faster…when they want to cooperate. Persnickety tricks … Read More

Summer’s here: 8 tips to conserve water (and help the environment)

Jun 6, 2017

Summer can get brutal. The sweltering heat from our friend the sun makes it extremely important to be conscious of our water consumption. The heat causes water to evaporate, and fast. There are a few things … Read More

Hello, Inspector: How to ace your restaurant’s health inspection

Jun 1, 2017

If you think about it, people place a lot of trust in your restaurant and your employees when they eat at your establishment. They trust that you’ve done your due diligence when it comes to preparing … Read More

10 things to include in your insurance policy (Summertime policy checkup)

May 30, 2017

Ah, summer’s here! It’s time for some well-deserved rest and relaxation. You might be thinking about going on a summer vacation with your family, or maybe you’re planning on having a stay-cation at home. Either way, … Read More

Why are my tow truck insurance rates going up so much?

May 25, 2017

If you work in the tow truck industry, you’ve probably noticed a few changes when it comes to insurance – namely, the cost of your tow truck insurance premium rocketing upwards. As if tow truck insurance wasn’t … Read More

10 pool safety tips to make sure your pool is ready for summer fun

May 23, 2017

Swimming is a staple of summertime. Hanging out around the pool is a fantastic way to stay cool when the temperature starts climbing. If you have a pool in your backyard, you need to be aware … Read More

Avoid disaster: Tips to improve safety at your retail store

May 18, 2017

If you work at a retail store, you’re all-too-familiar with the chaos that is the holidays, Memorial Day Weekend, or pretty much any time there’s a big sale. People rush around to do their shopping and … Read More

How to keep your family safe from the summer sun

May 16, 2017

When you were growing up, your parents may have hounded you about putting on sunscreen. At the time, sunscreen might have seemed like an annoying, greasy nuisance, but now that you’re grown up with kids of … Read More

Connected by technology: Are you staying compliant with overtime laws?

May 11, 2017

It’s hard to know when to draw the line when it comes to phones and laptops. As an employer, you know the drill about making sure your employees are compensated for any overtime work that they … Read More

What you need to know if a tree falls on your house, car, or fence

May 9, 2017

Trees are beautiful. Tall. Majestic. Green. And also very, very heavy. Which is why if a tree falls in the direction of your house it’s terrifying. Trees have the power to cause some pretty serious damage … Read More

What you need to know about flood insurance for your business

May 4, 2017

Nothing is impervious to water. Somehow we don’t think about how destructive little raindrops can be. If there’s a bad storm we think about trees falling, hail pelting windows and cars, branches being thrown around like … Read More

How to keep your pets safe during a disaster

May 2, 2017

Your four-legged friends are members of your family. Your cat or dog is your buddy, your companion. They’ve snuggled their way into your heart, and the thought of something happening to them during a disaster is … Read More