As a homeowner, you’ve got a lot of responsibility on your plate – even when you’re not actually occupying your home. Home insurance policies often don’t allow for a homeowner to leave their house unattended for an extended period of time. Now, there’s a difference between an unoccupied home and a vacant home, but the bottom line is that you may need to get special coverage if you’re leaving your house empty. We’ll go over why your normal homeowner’s insurance may not cover your empty house and how you can make sure your investment is covered.
Insurance
Whether you have just a few assets or own multiple homes, automobiles, and businesses, insurance coverage is vital. Protecting your assets, managing risks, and making sure you have the best coverage for the best price is part of our daily goal here at InsuranceHub. We enjoy getting to know each of our clients and helping them identify the insurance coverages that are right for them. We can’t see the future and we don’t know when disaster will strike, so it’s essential to be prepared for anything.
We understand that you need a policy that’s crafted to protect you from your specific risks, not just a one-size-fits-all plan. You’re one of a kind, so your insurance policy should be, too! Our goal is to not only make insurance easy but also to become a trusted advisor and partner to each and every client. We can help you pinpoint all of the risks that you face, and we can help you get the coverage you need to be protected from them.
How to prevent rear-end collisions and save on tow truck insurance
We’ve all passed accidents on the side of the road where a car has rear-ended the car in front of them. Smooshed hood, squashed back bumper. But if you’re driving a tow truck, rear-end collisions are often pretty serious.
And rear-end collisions also have had a major effect on tow truck insurance rates.
Why?
We’ll explain the prevalence of rear-end accidents, why they can affect the price of tow truck insurance, and steps you and your drivers can take to prevent rear-end collisions.
To start, we’re going to look at some numbers.
What’s a package policy? (Hint: You can save on business insurance)
If you’re like a lot of business owners out there, you’re probably worried about the cost of business insurance. And we don’t blame you – insuring a business, even a small one, can get pricey quickly.
But don’t worry:
We’re going to explain how you can save money on business insurance. We’ll tell you what a commercial package policy is and what a BOP is. We’ll outline some of the benefits of getting this type of insurance (we already mentioned one perk in the title of this article.)
So. Without further ado, let’s get started.
InsuranceHub eagerly awaits the 3rd annual Sip & Swine BBQ Festival
There’s a very special event coming up, one that our InsuranceHub team has been looking forward to for a very long time! We’re talking about the third annual Sip & Swine BBQ Festival at Coolray Field in Lawrenceville. We’re getting excited about having a great time at the festival. The event will be held this March 2nd – March 3rd. (It’s a Friday and Saturday event, but it opens to the public at 3 p.m. on Friday the 2nd.)
InsuranceHub is not only happy but honored to be this year’s Grand Champion Sponsor. Lots of our employees will be coming out to volunteer at the festival and run our InsuranceHub booth – and we’re going to break out our fancy Spinning Wheel of Prizes!
But you’re probably wondering what we’re getting so excited about. We’ll explain.
What is business interruption insurance (and does my business need it?)
Most business owners would probably agree that a major worry is having to close the doors temporarily due to a fire or another loss. Experiencing a business interruption throws everything into chaos. Of course, you have property insurance to help you get back on your feet and cover the expenses of repairs or rebuilding.
But here’s the kicker:
Property insurance will most likely not cover moving to a temporary location if you have to close for a short time. What’s more, property insurance also probably won’t reimburse you for the income you lost while you were closed.
However, there’s good news:
Business interruption insurance (or business income insurance) can help your business weather a loss that forces you to close your doors, such as a fire, vandalism, natural disasters, and equipment damage. While it’s often forgotten and neglected, business interruption is a very valuable type of coverage.
Let’s see what it’s all about.
What you need to know about bundling your home and auto insurance
You’ve probably seen some insurance commercials that talk about bundling your home insurance and auto insurance. Maybe you’re wondering what’s so great about bundled insurance policies. Can bundling your home and auto insurance really help you save money on your home insurance? Bundling comes with numerous advantages, but there are also some things you have to consider when asking yourself if you should bundle your home and auto insurance. We’ll explain what you need to know.
How crime coverage can protect your business from employee theft
While it’s important to trust your employees and foster positive relations with the people you work with, it’s also important to be aware of the risk of fraud and protect your business against employee theft. There are steps you can take around your premises to prevent employee fraud, but another way to protect your business from this very common occurrence is to consider crime coverage for your business. We’ll explain how crime insurance can help your business if you ever experience employee theft.
What is physical damage coverage and does my tow truck business need it?
Sometimes we run into bad luck. Running a tow truck business, you know that anything can happen – you face a lot of risks, and sometimes those risks catch up with you. Tow truck insurance exists to help your business out of tight spots and protect your towing operation, but there are a lot of coverages out there that you ought to consider before being satisfied that your business is protected from anything the road can throw at you (or any trees that could fall on your tow trucks – we’ll explain in a second.) One of those coverages is physical damage coverage. We’ll explain what physical damage coverage is and how it can protect your business.
What will happen if I miss a home insurance payment?
Home insurance payments perhaps aren’t your favorite things. The deadlines are usually doable and you get that check in the mail (or pay online) with plenty of time. But sometimes things happen and you miss a payment. Maybe an emergency came up and you couldn’t get the bill paid. Perhaps it’s been a tough month financially and you just can’t make that payment. Or you may have simply forgotten – it happens. Whatever the reason may be, the home insurance bill didn’t get paid. And now you’re wondering what happens if you miss a home insurance payment. We’ll explain.
Life changes that mean you need to talk to your insurance agent
Nothing in life is certain. Sometimes we experience major life changes, and when life events happen you might need to re-evaluate your insurance situation and needs. It’s important to make sure that you have the coverage you need to be protected from all the risks you face every day. You definitely don’t want to end up underinsured, whether it’s with your home insurance or your auto insurance. So, we’ll go over some life situations that could mean you need to give your agent a call.